{"id":10582,"date":"2023-10-23T14:55:54","date_gmt":"2023-10-23T12:55:54","guid":{"rendered":"https:\/\/nomads.insure\/ueber\/christoph-huebner\/"},"modified":"2024-08-03T16:27:17","modified_gmt":"2024-08-03T13:27:17","slug":"christoph-huebner","status":"publish","type":"page","link":"https:\/\/nomads.insure\/de\/ueber\/christoph-huebner\/","title":{"rendered":"Christoph Huebner"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ksneadnq-674f2b36cc5cf126db9ae8c5e9a75fa0\">\n.avia-section.av-ksneadnq-674f2b36cc5cf126db9ae8c5e9a75fa0 .av-parallax .av-parallax-inner{\nbackground-color:#f8f8f8;\nbackground-image:url(https:\/\/nomads.insure\/wp-content\/uploads\/2024\/07\/Christoph-Sailing-grey-clouds-sun.webp);\nbackground-repeat:no-repeat;\nbackground-position:50% 50%;\nbackground-attachment:scroll;\n}\n<\/style>\n<div id='av_section_1'  class='avia-section av-ksneadnq-674f2b36cc5cf126db9ae8c5e9a75fa0 main_color avia-section-no-padding avia-no-border-styling  avia-builder-el-0  el_before_av_two_third  avia-builder-el-first  avia-full-stretch av-parallax-section avia-bg-style-parallax av-minimum-height av-minimum-height-99 av-height-percent  container_wrap sidebar_right'  data-section-bg-repeat='stretch' data-av_minimum_height_pc='99' data-av_min_height_opt='percent'><div class='av-parallax' data-avia-parallax-ratio='0.3' ><div class='av-parallax-inner main_color avia-full-stretch'><\/div><\/div><div class='container av-section-cont-open' ><main  role=\"main\" itemprop=\"mainContentOfPage\"  class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-10582'><div class='entry-content-wrapper clearfix'>\n<div  class='flex_column av-ksneivu6-ab3aec012148bfcb83adfa81d2c3d092 av_one_half  avia-builder-el-1  el_before_av_one_half  avia-builder-el-first  first flex_column_div av-hide-on-mobile  '     ><\/div><div  class='flex_column av-8x6yc-4b352006db17f61282ddf4ed61179773 av_one_half  avia-builder-el-2  el_after_av_one_half  avia-builder-el-last  flex_column_div av-hide-on-mobile  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-losirvj8-57e2b637c20440e8a77aef981d8b3912\">\n#top .av-special-heading.av-losirvj8-57e2b637c20440e8a77aef981d8b3912{\npadding-bottom:10px;\nfont-size:80px;\n}\nbody .av-special-heading.av-losirvj8-57e2b637c20440e8a77aef981d8b3912 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-losirvj8-57e2b637c20440e8a77aef981d8b3912 .av-special-heading-tag{\nfont-size:80px;\n}\n.av-special-heading.av-losirvj8-57e2b637c20440e8a77aef981d8b3912 .av-subheading{\nfont-size:25px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-losirvj8-57e2b637c20440e8a77aef981d8b3912 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-losirvj8-57e2b637c20440e8a77aef981d8b3912 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-losirvj8-57e2b637c20440e8a77aef981d8b3912 av-special-heading-h1 blockquote modern-quote  avia-builder-el-3  el_before_av_textblock  avia-builder-el-first  spaced-heading av-inherit-size'><h1 class='av-special-heading-tag '  itemprop=\"headline\"  >Hallo! Ich bin<br \/><span class=bluebg>Christoph<\/span><\/h1><div class='av-subheading av-subheading_below'><p>Lass&#8217; mich meine Geschichte erz\u00e4hlen!<\/p>\n<\/div><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ksnerb37-e4a24580378a5459eb1e14905f0ee44e\">\n#top .av_textblock_section.av-ksnerb37-e4a24580378a5459eb1e14905f0ee44e .avia_textblock{\nfont-size:20px;\n}\n<\/style>\n<section  class='av_textblock_section av-ksnerb37-e4a24580378a5459eb1e14905f0ee44e '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>Ich bin ein<br \/>\ndauerhaft Weltreisender,<br \/>\ne-Resident Estlands,<br \/>\nVersicherungsmakler und Gesch\u00e4ftsf\u00fchrer von NOMADS.insure<\/p>\n<\/div><\/section><\/p><\/div><\/div><\/div><\/main><!-- close content main element --><\/div><\/div><div id='after_section_1'  class='main_color av_default_container_wrap container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-10582'><div class='entry-content-wrapper clearfix'><div  class='flex_column av-737yc-d2b4ef53c6b2f1850edbb5430d7e22fe av_two_third  avia-builder-el-5  el_after_av_section  el_before_av_one_third  avia-builder-el-first  first flex_column_div  '     ><div  class='avia-video av-ksneello-b7c9c8f64fba5175995f708aad377626 avia-video-16-9 av-no-preview-image avia-video-load-always av-lazyload-immediate av-lazyload-video-embed'  itemprop=\"video\" itemtype=\"https:\/\/schema.org\/VideoObject\"  data-original_url='https:\/\/www.youtube.com\/watch?v=94VpXJOg2ig'><script type='text\/html' class='av-video-tmpl'><div class='avia-iframe-wrap'><iframe loading=\"lazy\" title=\"e-Residency: Christoph the perpetual traveller\" width=\"1500\" height=\"844\" src=\"https:\/\/www.youtube.com\/embed\/94VpXJOg2ig?feature=oembed&autoplay=0&loop=0&controls=1&mute=0\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div><\/script><div class='av-click-to-play-overlay'><div class=\"avia_playpause_icon\"><\/div><\/div><\/div><\/div><\/p>\n<div  class='flex_column av-d0mto-eb4898f7a3664cf978fec5daa4fc46f0 av_one_third  avia-builder-el-7  el_after_av_two_third  el_before_av_section  avia-builder-el-last  flex_column_div  '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-losjxe30-2aba46269b0ca5fa255dd0de870be477\">\n#top .avia-icon-list-container.av-losjxe30-2aba46269b0ca5fa255dd0de870be477 .iconlist_icon{\ncolor:#f8f8f8;\nbackground-color:#0072ce;\n}\n#top .avia-icon-list-container.av-losjxe30-2aba46269b0ca5fa255dd0de870be477 .iconlist_icon svg:first-child{\nstroke:#f8f8f8;\nfill:#f8f8f8;\n}\n.avia-icon-list-container.av-losjxe30-2aba46269b0ca5fa255dd0de870be477 .iconlist_content{\nfont-size:16px;\n}\n<\/style>\n<div  class='avia-icon-list-container av-losjxe30-2aba46269b0ca5fa255dd0de870be477  avia-builder-el-8  avia-builder-el-no-sibling '><ul class='avia-icon-list avia_animate_when_almost_visible avia-icon-list-left av-iconlist-big av-losjxe30-2aba46269b0ca5fa255dd0de870be477 avia-iconlist-animate'>\n<li><div class='iconlist_icon av-5y6bw-be4f8a1f91d7dc3a42917a52f4803658 avia-font-flaticon avia-iconfont avia-font-flaticon'><span class='av-icon-char' data-av_icon='049-planet-earth' data-av_iconfont='flaticon' aria-hidden=\"true\"><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\" aria-label=\"Icon: Neugieriger Reisender\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >Neugieriger Reisender<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p><span style=\"font-weight: 400;\">Am meisten faszinieren mich Orte, die nicht auf den Touristenkarten zu finden sind.<\/span><\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<li><div class='iconlist_icon av-1heibw-e68c8c4d44a7dede50e79d1da6d00656 avia-font-flaticon avia-iconfont avia-font-flaticon'><span class='av-icon-char' data-av_icon='\uf134' data-av_iconfont='flaticon' aria-hidden=\"true\"><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\" aria-label=\"Icon: Estnisch im Herzen\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >Estnisch im Herzen<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p><span style=\"font-weight: 400;\">Heutzutage verbringe ich jeden Sommer f\u00fcr mehrere Monate in Estland.<\/span><\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<li><div class='iconlist_icon av-1abr18-14f783e943e1b76dd9a6480eafba5b5b avia-font-flaticon avia-iconfont avia-font-flaticon'><span class='av-icon-char' data-av_icon='047-compass' data-av_iconfont='flaticon' aria-hidden=\"true\"><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\" aria-label=\"Icon: Leidenschaftlicher Langstreckensegler\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >Leidenschaftlicher Langstreckensegler<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p><span style=\"font-weight: 400;\">Mein wahres Zuhause hat einen Mast und einen Kiel<\/span><\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<\/ul><\/div><\/div>\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-loslbwdk-f943d9c9b5fa3cb9cafccf5ea5d92d7b\">\n.avia-section.av-loslbwdk-f943d9c9b5fa3cb9cafccf5ea5d92d7b{\nbackground-color:#d2d2d2;\nbackground-image:unset;\n}\n<\/style>\n<div id='av_section_2'  class='avia-section av-loslbwdk-f943d9c9b5fa3cb9cafccf5ea5d92d7b main_color avia-section-default avia-no-border-styling  avia-builder-el-9  el_after_av_one_third  el_before_av_section  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-10582'><div class='entry-content-wrapper clearfix'>\n<div  class='flex_column av-17b4jg-48ee598898de355853f9030f821d8124 av_one_fourth  avia-builder-el-10  el_before_av_three_fourth  avia-builder-el-first  first flex_column_div  '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-losl27gb-d58611bcfcc0cc55b89e2dec33aebc9f\">\n.avia-image-container.av-losl27gb-d58611bcfcc0cc55b89e2dec33aebc9f img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-losl27gb-d58611bcfcc0cc55b89e2dec33aebc9f .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-losl27gb-d58611bcfcc0cc55b89e2dec33aebc9f av-styling- avia-align-center  avia-builder-el-11  avia-builder-el-no-sibling '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" fetchpriority=\"high\" class='wp-image-11732 avia-img-lazy-loading-not-11732 avia_image ' src=\"https:\/\/nomads.insure\/wp-content\/uploads\/2023\/11\/Christoph-Sailing-in-Rain_square-300x300.jpg\" alt='Christoph sailing on a rainy day' title='Christoph-Sailing-in-Rain_square'  height=\"300\" width=\"300\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/nomads.insure\/wp-content\/uploads\/2023\/11\/Christoph-Sailing-in-Rain_square-300x300.jpg 300w, https:\/\/nomads.insure\/wp-content\/uploads\/2023\/11\/Christoph-Sailing-in-Rain_square-80x80.jpg 80w, https:\/\/nomads.insure\/wp-content\/uploads\/2023\/11\/Christoph-Sailing-in-Rain_square-768x768.jpg 768w, https:\/\/nomads.insure\/wp-content\/uploads\/2023\/11\/Christoph-Sailing-in-Rain_square-36x36.jpg 36w, https:\/\/nomads.insure\/wp-content\/uploads\/2023\/11\/Christoph-Sailing-in-Rain_square-180x180.jpg 180w, https:\/\/nomads.insure\/wp-content\/uploads\/2023\/11\/Christoph-Sailing-in-Rain_square-705x705.jpg 705w, https:\/\/nomads.insure\/wp-content\/uploads\/2023\/11\/Christoph-Sailing-in-Rain_square.jpg 1000w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/div><\/div><\/div><\/div><div  class='flex_column av-17oh90-7bc5f70cd9fbf0973f38fe4ef5d72894 av_three_fourth  avia-builder-el-12  el_after_av_one_fourth  avia-builder-el-last  flex_column_div  '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ksnf69qx-0cf6a83fbc0db7365f1b7b734ab4a577\">\n\n@media only screen and (min-width: 990px){ \n#top .av_textblock_section.av-ksnf69qx-0cf6a83fbc0db7365f1b7b734ab4a577 .avia_textblock{\nfont-size:20px;\n}\n}\n\n@media only screen and (min-width: 768px) and (max-width: 989px){ \n#top .av_textblock_section.av-ksnf69qx-0cf6a83fbc0db7365f1b7b734ab4a577 .avia_textblock{\nfont-size:20px;\n}\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top .av_textblock_section.av-ksnf69qx-0cf6a83fbc0db7365f1b7b734ab4a577 .avia_textblock{\nfont-size:20px;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top .av_textblock_section.av-ksnf69qx-0cf6a83fbc0db7365f1b7b734ab4a577 .avia_textblock{\nfont-size:15px;\n}\n}\n<\/style>\n<section  class='av_textblock_section av-ksnf69qx-0cf6a83fbc0db7365f1b7b734ab4a577 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>Ich bin schon immer Unternehmer gewesen. Ich habe mein erstes Gewerbe im Alter von 16 Jahren angemeldet und noch nie einen Arbeitsvertrag f\u00fcr mich selbst unterschrieben. Meine Karriere begann im Marketing, aber seit mehr als einem Jahrzehnt arbeite ich an der Modernisierung der Versicherungsbranche.<\/p>\n<p>Heute genie\u00dfe ich die Freiheit, die mir die ortsunabh\u00e4ngige Arbeit bietet: Sie erlaubt mir, diese wundersch\u00f6ne Welt zu erkunden und die interessantesten Menschen zu treffen.<\/p>\n<p>Triff mich bei diesen <a title=\"Veranstaltungen der Digitalnomaden-Community\" href=\"https:\/\/nomads.insure\/events\/\">Veranstaltungen der Community<\/a>.<\/p>\n<\/div><\/section><\/div><\/div><\/div><\/div><!-- close content main div --><\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ksnf8bks-b8e2f71c4f172692bb18f10eb8b2f74d\">\n.avia-section.av-ksnf8bks-b8e2f71c4f172692bb18f10eb8b2f74d{\nbackground-color:#f4f3f2;\nbackground-image:unset;\n}\n<\/style>\n<div id='av_section_3'  class='avia-section av-ksnf8bks-b8e2f71c4f172692bb18f10eb8b2f74d main_color avia-section-default avia-no-border-styling  avia-builder-el-14  el_after_av_section  avia-builder-el-last  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-10582'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-2d2jzw-f6b039b6eb32db392f561c931583d894\">\n#top .av-special-heading.av-2d2jzw-f6b039b6eb32db392f561c931583d894{\npadding-bottom:10px;\nfont-size:40px;\n}\nbody .av-special-heading.av-2d2jzw-f6b039b6eb32db392f561c931583d894 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-2d2jzw-f6b039b6eb32db392f561c931583d894 .av-special-heading-tag{\nfont-size:40px;\n}\n.av-special-heading.av-2d2jzw-f6b039b6eb32db392f561c931583d894 .av-subheading{\nfont-size:18px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-2d2jzw-f6b039b6eb32db392f561c931583d894 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-2d2jzw-f6b039b6eb32db392f561c931583d894 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-2d2jzw-f6b039b6eb32db392f561c931583d894 av-special-heading-h2 blockquote modern-quote modern-centered  avia-builder-el-15  el_before_av_hr  avia-builder-el-first  av-inherit-size av-linked-heading'><h2 class='av-special-heading-tag '  itemprop=\"headline\"  >Christophs <span class=\"blue\">eigenes<\/span> Krankenversicherungs-Setup<\/h2><div class='av-subheading av-subheading_below'><p>Unbegrenzte weltweite Deckung mit einem langfristigen Plan<\/p>\n<\/div><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" 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.hr.hr-invisible.av-loshvnun-c6e2c2c27bc82bae71d624e969b45c93{\nheight:20px;\n}\n<\/style>\n<div  class='hr av-loshvnun-c6e2c2c27bc82bae71d624e969b45c93 hr-invisible  avia-builder-el-18  el_before_av_iconlist  avia-builder-el-first '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-loslpg9p-c38c770f4c36c9c94ef7345168a6cdb8\">\n@keyframes av_sonarEffect_av-loslpg9p-c38c770f4c36c9c94ef7345168a6cdb8 {\n  0% {opacity: 0.3;}\n 40% {opacity: 0.5; box-shadow: 0 0 0 2px rgba(255,255,255,0.1), 0 0 10px 10px #ffffff, 0 0 0 10px rgba(255,255,255,0.5);}\n100% {opacity: 0.5; box-shadow: 0 0 0 2px rgba(255,255,255,0.1), 0 0 10px 10px #ffffff, 0 0 0 10px rgba(255,255,255,0.5); transform: scale(1.5);}\n}\n#top .avia-icon-list-container.av-loslpg9p-c38c770f4c36c9c94ef7345168a6cdb8 .iconlist_icon{\nbackground-color:#0072ce;\n}\n#top .avia-icon-list-container.av-loslpg9p-c38c770f4c36c9c94ef7345168a6cdb8 .iconlist_icon:hover{\nanimation:av_sonarEffect_av-loslpg9p-c38c770f4c36c9c94ef7345168a6cdb8 1s ease-in-out;\n}\n.avia-icon-list-container.av-loslpg9p-c38c770f4c36c9c94ef7345168a6cdb8 .iconlist_content{\nfont-size:16px;\n}\n<\/style>\n<div  class='avia-icon-list-container av-loslpg9p-c38c770f4c36c9c94ef7345168a6cdb8  avia-builder-el-19  el_after_av_hr  avia-builder-el-last '><ul class='avia-icon-list avia_animate_when_almost_visible avia-icon-list-left av-iconlist-big av-loslpg9p-c38c770f4c36c9c94ef7345168a6cdb8 avia-iconlist-animate avia-sonar-shadow'>\n<li><div class='iconlist_icon av-142rhw-6cd4e998c36077ea7b23cec43442d6ff avia-font-flaticon avia-iconfont avia-font-flaticon'><span class='av-icon-char' data-av_icon='006-contract-1' data-av_iconfont='flaticon' aria-hidden=\"true\"><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\" aria-label=\"Icon: Barmenia VC2E, WS2+\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >Barmenia VC2E, WS2+<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p>Der Vertrag begann im Januar 2004.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<li><div class='iconlist_icon av-ukqzw-7d6a42cda27ad3362144af477755e0a8 avia-font-flaticon avia-iconfont avia-font-flaticon'><span class='av-icon-char' data-av_icon='\uf145' data-av_iconfont='flaticon' aria-hidden=\"true\"><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\" aria-label=\"Icon: 557,86 \u20ac pro Monat\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >557,86 \u20ac pro Monat<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p>J\u00e4hrliche Selbstbeteiligung: 1,440 \u20ac<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<li><div class='iconlist_icon av-otlfo-9e9eccb47f0c4d4906198823f5fd66a5 avia-font-flaticon avia-iconfont avia-font-flaticon'><span class='av-icon-char' data-av_icon='\uf126' data-av_iconfont='flaticon' aria-hidden=\"true\"><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\" aria-label=\"Icon: Keine Erh\u00f6hungen aufgrund des Alters\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >Keine Erh\u00f6hungen aufgrund des Alters<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p>Die Pr\u00e4mien steigen nur entsprechend der medizinischen Inflation<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<li><div class='iconlist_icon av-2a6sc-ab3010cb43edc1683a027adc7b6f0866 avia-font-flaticon avia-iconfont avia-font-flaticon'><span class='av-icon-char' data-av_icon='022-rope-tied' data-av_iconfont='flaticon' aria-hidden=\"true\"><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\" aria-label=\"Icon: Unbestimmte Dauer\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >Unbestimmte Dauer<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p>Die Versicherungsgesellschaft hat kein Recht, den Vertrag jemals zu k\u00fcndigen.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<li><div class='iconlist_icon av-garws-5649b5605becff123efd39c0e330ff83 avia-font-flaticon avia-iconfont avia-font-flaticon'><span class='av-icon-char' data-av_icon='050-earth-grid' data-av_iconfont='flaticon' aria-hidden=\"true\"><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\" aria-label=\"Icon: Weltweite Abdeckung\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >Weltweite Abdeckung<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p>Keine Einschr\u00e4nkungen hinsichtlich der Zielorte.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<li><div class='iconlist_icon av-6ncys-d61b0e98fb2cf57597d94811e64a3793 avia-font-flaticon avia-iconfont avia-font-flaticon'><span class='av-icon-char' data-av_icon='\uf143' data-av_iconfont='flaticon' aria-hidden=\"true\"><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\" aria-label=\"Icon: Unbegrenzte Deckung\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >Unbegrenzte Deckung<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p>Es gibt keinen j\u00e4hrlichen H\u00f6chstbetrag f\u00fcr den Versicherungsschutz.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<li><div class='iconlist_icon av-loslp3v5-e4599c798d4f376050c9b8ede4669bbf avia-font-flaticon avia-iconfont avia-font-flaticon'><span class='av-icon-char' data-av_icon='\uf147' data-av_iconfont='flaticon' aria-hidden=\"true\"><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\" aria-label=\"Icon: R\u00fcckerstattung bei Schadensfreiheit\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >R\u00fcckerstattung bei Schadensfreiheit<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p>Bei 5 und mehr leistungsfreien Jahren erhalte ich jedes Jahr 3 Monatspr\u00e4mien zur\u00fcck<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<\/ul><\/div><\/p><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-1kjy4-94af4d17235b184095ea7ec9bb3c5fc3\">\n.flex_column.av-1kjy4-94af4d17235b184095ea7ec9bb3c5fc3{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-1kjy4-94af4d17235b184095ea7ec9bb3c5fc3 av_three_fifth  avia-builder-el-20  el_after_av_two_fifth  avia-builder-el-last  flex_column_div av-zero-column-padding  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-1vbeqk-ca2c792af4a69f344ae9a9616bf6e048\">\n\n@media only screen and (min-width: 990px){ \n#top .av_textblock_section.av-1vbeqk-ca2c792af4a69f344ae9a9616bf6e048 .avia_textblock{\nfont-size:20px;\n}\n}\n\n@media only screen and (min-width: 768px) and (max-width: 989px){ \n#top .av_textblock_section.av-1vbeqk-ca2c792af4a69f344ae9a9616bf6e048 .avia_textblock{\nfont-size:20px;\n}\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top .av_textblock_section.av-1vbeqk-ca2c792af4a69f344ae9a9616bf6e048 .avia_textblock{\nfont-size:20px;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top .av_textblock_section.av-1vbeqk-ca2c792af4a69f344ae9a9616bf6e048 .avia_textblock{\nfont-size:15px;\n}\n}\n<\/style>\n<section  class='av_textblock_section av-1vbeqk-ca2c792af4a69f344ae9a9616bf6e048 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p><span style=\"font-weight: 400;\">Ich bin gerne bereit, Informationen \u00fcber mein eigenes Setup weiterzugeben: Ich bin bei einem Unternehmen namens <strong>Barmenia<\/strong> versichert. Es handelt sich um ein mittelgro\u00dfes deutsches Versicherungsunternehmen, das zu denjenigen geh\u00f6rt, die den internationalen Abenteuern ihrer Kunden gegen\u00fcber aufgeschlossener sind.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ich habe diesen Vertrag im Jahr 2004 mit einer monatlichen Pr\u00e4mie von rund 250 Euro begonnen. Heute zahle ich fast 560 Euro. Seitdem habe ich meinen j\u00e4hrlichen Selbstbehalt von 340 Euro pro Jahr auf 1.440 Euro erh\u00f6ht. Und im Jahr 2017 habe ich die Komponente WS2+ f\u00fcr die unbegrenzte weltweite Abdeckung hinzugef\u00fcgt Das kostet 12,15 Euro pro Monat.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">F\u00fcr Menschen aus den USA oder vielen anderen L\u00e4ndern ist es schwer zu glauben, dass so etwas \u00fcberhaupt existiert. Aber ja: Meine deutsche private Krankenvollversicherung <\/span><i><span style=\"font-weight: 400;\">wird nicht von Jahr zu Jahr teurer, je nach meinem Alter<\/span><\/i><span style=\"font-weight: 400;\"> und kann von der Versicherungsgesellschaft niemals gek\u00fcndigt werden. Selbst wenn ich nicht mehr daf\u00fcr bezahle, m\u00fcssen sie mir wenigstens eine Grundbehandlung mit Schmerzmitteln geben und darf mich nicht sterben lassen!<\/span><\/p>\n<\/div><\/section><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-8tlbo-6eda1f6eaa62147b1eed1f24a7758e84\">\n\n@media only screen and (min-width: 990px){ \n#top .av_textblock_section.av-8tlbo-6eda1f6eaa62147b1eed1f24a7758e84 .avia_textblock{\nfont-size:20px;\n}\n}\n\n@media only screen and (min-width: 768px) and (max-width: 989px){ \n#top .av_textblock_section.av-8tlbo-6eda1f6eaa62147b1eed1f24a7758e84 .avia_textblock{\nfont-size:20px;\n}\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top .av_textblock_section.av-8tlbo-6eda1f6eaa62147b1eed1f24a7758e84 .avia_textblock{\nfont-size:20px;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top .av_textblock_section.av-8tlbo-6eda1f6eaa62147b1eed1f24a7758e84 .avia_textblock{\nfont-size:15px;\n}\n}\n<\/style>\n<section  class='av_textblock_section av-8tlbo-6eda1f6eaa62147b1eed1f24a7758e84 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p><span style=\"font-weight: 400;\">Die Pr\u00e4mien d\u00fcrfen nur entsprechend der medizinischen Inflation und der allgemeinen, durch den medizinischen Fortschritt bedingten Ver\u00e4nderung der Lebenserwartung angehoben werden.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Das funktioniert, weil deutsche Krankenversicherungen nicht wie Schadensversicherungen, sondern wie <strong>Lebensversicherungen<\/strong> kalkuliert werden: Sie m\u00fcssen die voraussichtlichen Krankheitskosten w\u00e4hrend des gesamten Lebens und die voraussichtliche Lebenserwartung einkalkulieren. Vereinfacht gesagt, wird diese Summe durch die berechnete Anzahl der Monate geteilt, und das ist der Betrag, den man ab dem ersten Monat zahlt.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Das ist die Erkl\u00e4rung f\u00fcr den relativ hohen Preis heute, solange ich jung und gesund bin. Das bedeutet aber auch, dass ich keine \u00dcberraschungen erwarte, die \u00fcber eine j\u00e4hrliche Anpassung von durchschnittlich mehr als f\u00fcnf Prozent hinausgehen. (Eigentlich war sie immer niedriger als das, und es gab Jahre, in denen die Anpassung sogar nach <\/span><i><span style=\"font-weight: 400;\">unten<\/span><\/i> ging<span style=\"font-weight: 400;\">)<\/span>.<\/p>\n<\/div><\/section><\/p><\/div>\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='after_section_3'  class='main_color av_default_container_wrap container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-10582'><div class='entry-content-wrapper clearfix'><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":10562,"menu_order":20,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"class_list":["post-10582","page","type-page","status-publish","hentry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/nomads.insure\/de\/wp-json\/wp\/v2\/pages\/10582","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/nomads.insure\/de\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/nomads.insure\/de\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/nomads.insure\/de\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/nomads.insure\/de\/wp-json\/wp\/v2\/comments?post=10582"}],"version-history":[{"count":4,"href":"https:\/\/nomads.insure\/de\/wp-json\/wp\/v2\/pages\/10582\/revisions"}],"predecessor-version":[{"id":15047,"href":"https:\/\/nomads.insure\/de\/wp-json\/wp\/v2\/pages\/10582\/revisions\/15047"}],"up":[{"embeddable":true,"href":"https:\/\/nomads.insure\/de\/wp-json\/wp\/v2\/pages\/10562"}],"wp:attachment":[{"href":"https:\/\/nomads.insure\/de\/wp-json\/wp\/v2\/media?parent=10582"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}