From Study to Therapy
Sleep apnoea is diagnosed through a sleep study, often starting with screening and moving to a sleep-laboratory night if needed. A comprehensive PKV tariff covers the diagnostic study as medically necessary, and the specialist consultations that go with it.
CPAP and the Aids Rules
The usual treatment is a CPAP or similar device that keeps the airway open during sleep. This is a medical aid (Hilfsmittel), so cover follows the aids provisions in your tariff. Many comprehensive plans fund the device where it is prescribed, sometimes with prior approval, and the ongoing consumables such as masks and tubing are part of the treatment.
Do not forget the consumables: masks, filters and tubing need regular replacement. Check that your tariff covers the running supplies, not only the initial device, so therapy stays affordable year after year.
Points to Confirm
- Sleep study: covered as diagnostic care; confirm both screening and laboratory study are included.
- Device: funded under the aids rules where prescribed, often with approval.
- Consumables: confirm masks and tubing replacements are covered.
- Disclosure: an existing apnoea diagnosis must be declared when you apply.
If you are diagnosed while already insured, your tariff covers the pathway on its normal terms. If the diagnosis predates your application, declare it, since it is a straightforward condition to underwrite but a serious one to omit.
Frequently Asked Questions
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