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  1. The Krankenkasse have collectively decided to remove financial support for the immunoglobulin therapy offered to thousands of cancer survivors, which enables them to live normal lives while in remission. This in the middle of a pandemic.   There will be an appeal, but it can take 5 - 6 years, in the meantime thousands will be immunocompromised and vulnerable.   I want to protest about this, but where to start? Who governs the Krankenkasse? There's an election coming up, where can I add this issue to the debate (I've found nothing in the News, yet) ? In the absence of cancer charities like Macmillan, what support groups exist for survivors?   Any advice welcome.
  2. Hi everyone,  I’m a little confused/curious about how prescribed medicine is covered by public insurance (AOK in my case).  In March, I was diagnosed with gastritis and was prescribed pantoprazole by Doctor A. The prescription note had my name, DOB and insurance number. I went to the pharmacy and did not have to pay anything (to my surprise). I had one prescription refill a month later and also did not have to pay anything. It seems that they took the payment directly from AOK.  Last week I went to a different Doctor B (closer to my home). I was prescribed something called Maalox and paid 15€ at a different pharmacy (no automatic deduction like the other time). The prescription note had my name, DOB, address but no insurance number.    I wonder why there was a difference between the two prescriptions. Was it because my insurance number was not on Doctor B’s prescription note? I also read that the patient should pay 10% of the prescription cost (min 5€), why didn’t they ask for any payment from me for the pantoprazole?   Thanks a lot in advance 
  3. Dear TTers,   I've been taking a closer look at my insurances in recent days to check if I have sufficient coverage. I live with my spouse in Germany. We're both employed - one in IT and the other in Quality Assurance (Pharma).   One of the add-on components available for Beruf Rechtsschutz (Legal Insurance for Work) is ''Straf-Rechtsschutz'. What I understood from reading a bit on the internet is that this helps if criminal charges are brought against you in a professional capacity e.g. fraud, insult, trespassing. It seems to be oriented towards public/govt. officials or those with extensive customer dealings (accountants, doctors, retail employees).   Would it make sense for someone with a more 'internal' job profile (e.g IT etc) to have this coverage? Is it common for employed people to have this?   Thanks in advance for sharing your opinion.        
  4. I lost a tooth from the front of my mouth, after a bad fall. It is an incisor & I guess it is a "necessary" tooth. I would like to know whether replacing this tooth would be covered by my public health insurance.   Another of my teeth was also hurt & I had some basic treatment to rescue it after being referred by the Notartz. I  was told that I would need follow up treatments on this to save the tooth Is this something which might be covered?
  5. Suppose you have some dependent family to support. It seems to me if you have adequate Berufsunfähigkeitsversicherung & Risikolebensversicherung, you are pretty much covered (if you can't earn money but are not dead, Berufsunfähigkeitsversicherung. If you are dead, Risikolebensversicherung).  However, @Starshollow (who seems to be an expert in this domain, says: "All desk-oriented jobs and management related jobs [...] should, in my professional opinion, rather look for a dread disease insurance, where you insure yourself against a certain number of major illnesses, like cancer, heart attack, stroke and more, which do not necessarily lead to a legally clear case of occupational disability"   This seems surprising to me as I thought as long as I'm unfit to work for more than 6 months, the Berufsunfähigkeitsversicherung will payout. If this is important, I'm looking at an option where Abstrakte Verweisung is not possible, and I can survive for a year or so if necessary without payout, so it's ok if it takes time until the payout starts. Should I still look at dread disease insurance, rather than Berufsunfähigkeitsversicherung? I'd then be not covered for things like getting my arms chopped off. Buying both seems expensive.      
  6. Hello,   I'm Comparing Personal Liability & Home Insurance companies (+ incl. possibly Dog Insurance though we have that separately for now). Anyone have good experiences w/ companies?   Best,   R  
  7. Hello.   Been trying to compare dental insurance plans that cover implants. Most companies have waiting times and strict payout limits in the first 4 years, which might be unavoidable.   E.g. Ottonova   Envivas (this one works w/ TK which I have)   However this company seems too good to be true--no initial payout limits or waiting times, but it's all in German (incl. their call center) Wondering what's the catch. Anyone familiar?   Other ones I've tried aren't great w/ people over 50 that already have a few missing teeth. eg. Feather   Getsafe     Any other suggestions?   Best,   R