Diagnosis and Desensitisation
Allergy care starts with testing to identify what you react to, then, for suitable cases, desensitisation (Hyposensibilisierung or specific immunotherapy) that trains the immune system to tolerate an allergen over a course lasting a few years. A comprehensive PKV tariff covers medically necessary allergy diagnosis and immunotherapy, along with the specialist consultations.
How the Cover Works
- Testing: skin and blood tests to identify allergens, covered as diagnostic care.
- Immunotherapy: the desensitisation course and the allergen preparations, covered as treatment.
- Medication: antihistamines and other prescribed drugs under prescription-drug cover.
- Follow-up: consultations across the multi-year course.
A course, not a single visit: immunotherapy runs for years, so the value is in a tariff that covers the whole pathway. Confirm the treatment is covered as medically necessary before you start.
Practical Points
Because desensitisation is a long commitment, it helps to confirm with your allergist that the course is medically indicated and to check your tariff covers the allergen preparations, which are the main recurring cost. If you have a significant allergy history at application, disclose it, since it forms part of the health assessment. Treatment that begins while you are already insured is covered on your tariff’s normal terms.
Frequently Asked Questions
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