A Long-Term Condition
Multiple sclerosis is managed over decades, and modern disease-modifying therapies can be costly, so the strength of your tariff matters a great deal. A comprehensive PKV plan covers neurology consultations, prescribed medication, and the physiotherapy and other therapies that support function.
What Comprehensive Cover Includes
- Specialist care: neurology consultations and monitoring.
- Disease-modifying drugs: reimbursed under prescription-drug cover, which is where high-cost therapies land.
- Therapies: physiotherapy and occupational therapy under the Heilmittel rules.
- Aids: mobility and other aids under the Hilfsmittel provisions, often needing approval.
Read the prescription-drug and therapy limits: MS treatment relies on ongoing medication and regular therapy. Tariffs with strong drug reimbursement and generous therapy allowances protect you better over the long run.
Cover and Disclosure
MS diagnosed before an application must be declared, and the insurer will assess the risk, which may mean a surcharge, terms, or a decline depending on the picture. A specialist broker can identify insurers more open to the profile. If you already hold comprehensive PKV when MS is diagnosed, your tariff covers the treatment on its normal terms, which is the strongest argument for choosing good cover while you are healthy rather than the cheapest entry plan.
Frequently Asked Questions
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