Financing Health Care InsuranceAids that may be applied for under the terms of the health insurance (Health Insurance Fund / private insurance of the patient) include all sorts of aids for chronically ill people or people with a handicap. This has been recorded in the Regulation Aids 1996 (Health Insurance Fund) and the Uniform Regulation Aids 1997 (for privately insured patients). Aids For patients with EB, the following aids may be supplied under the terms of the health care insurance and may prove to be helpful:
Maximising allowance The allowance for specific aids is subject to a maximum limit. In this case, part of the costs remains for one's own expense. If the costs exceed the ability to pay, it is possible to appeal for supplementary benefit under the terms of the General Social Security Act (ABW).
Procedure of objection If people do not agree with the allowance or rejection of a provision under the terms of the Provision Act Health Insurance Fund or the Compensation Act for privately insured patients, advice should be first asked from the Medical Insurance Board before a procedure of objection is started.
Personal contribution From January 1 St 1997 onwards, a personal contribution has been installed for members of a Health Insurance Fund, which amounts to 20% of the costs with a maximum of f 200. a calendar year. This maximum applies to both the policyholder and the co-insured people. There are exceptions to this personal contribution regulation. For example, people who are on social security with spending money and clothing allowance do not have to pay a personal contribution. The personal contribution does not apply to dental care and care provided by a GP. The personal contribution of privately insured patients depends on the policy that has been taken out. |
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