Should health insurances cover infertility technologies
Which check-ups does the health insurance company pay for?
What are preventive examinations?
Preventive medical check-ups serve to identify diseases at an early stage. Comprehensive well-being of the entire body is not just about a healthy lifestyle. In addition to regular exercise, a healthy diet, little alcohol and not using nicotine, going to the doctor regularly helps avoid serious illnesses. Anyone who also takes part in medical examinations, some of which are paid for by the health insurance company, is in the best possible position in terms of health, as many diseases are not consciously noticed for a long time. For this reason, certain preventive treatments are among the standard benefits of the statutory health insurance companies. Although everyone in Germany with statutory health insurance is entitled to certain examinations, these are rarely taken and many are not informed that they are entitled to medical measures that are covered by their health insurance.
Why are preventive examinations important?
Prevention can save lives. There are a number of diseases that creep into the body and are often only recognized by those affected when it is already too late. These include, for example, diabetes, coronary heart disease and high blood pressure. Ailments of this kind run smoothly, especially in the early phase, and are therefore particularly dangerous. With every preventive measure, it is important not only to recognize diseases that do not initially cause symptoms, but also to get to know your own body better. Regular preventive measures contribute to a longer life expectancy. Since the entitlement to preventive medical examinations has increased by seven to eight years. In order to support the doctor, it makes sense to have documents on past examinations and laboratory values ready. To prepare for upcoming treatments, you can also think of answers to the following questions, for example:
- What medications do you take regularly or occasionally?
- Do you suffer from allergies or intolerances?
- What are your eating habits like?
- How much do you move in everyday life or through sports?
The intensive, trusting conversation between doctor and patient should always be the focus. Risk factors resulting from family history and previous illnesses as well as tips for everyday life can be discussed. You can ask your doctor what kind of exercise is healthy and recommendable and get useful nutrition tips. Set realistic goals for improving your health together.
Which preventive medical check-ups are important for children and adolescents?
They comprise a total of ten appointments that are regularly held for children up to the age of six. These should accompany the development as well as identify possible health disorders and abnormalities. Even if congenital disorders cannot be cured, recognizing them in good time reduces the consequences for child development.
Standard and booster vaccinations
Infectious diseases such as measles, whooping cough or mumps are particularly dangerous for children. They are highly contagious and can have serious consequences. To prevent widespread spread, as many children as possible should receive vaccinations. The statutory health insurance funds cover the costs of such vaccinations. Even if the use of vaccinations is controversial among young parents, a large number of recognized medical professionals still believe that vaccinations prevent the outbreak of dangerous diseases.
Examination for tooth, mouth and jaw diseases
The dental treatments for early diagnosis are covered by the health insurers for children between the ages of 30 and 72 months. During this period, a maximum of three preventive appointments can be made at least 12 months apart. The doctor examines whether there are diseases and developmental disorders in the tooth, mouth and jaw area. Furthermore, awareness of dental care and a healthy diet should be promoted among parents and children. In this way, the child gets used to the dentist, benefits from tooth decay prevention and develops a feeling for nutrition and oral hygiene.
For young people, the statutory health insurances take care of two essential check-up dates: J1 takes place between 12 and 14 years of age, J2 between 16 and 17 years of age. The treatments for adolescents are considered a continuation of the U-examinations. In contrast to these, the J examinations are not mandatory in all federal states. The J1 is recommended between the 12th and 15th birthday. A J2 should usually take place between the 17th and 18th birthday. Both serve the purpose of subjecting problems in physical and mental development to early detection. This includes signs of chronic illnesses or malformations, checking the vaccinations and an intensive discussion between the adolescent and the doctor who examines them.
Which check-ups are important for 30 to 40 year olds?
From the age of 35, a check-up for the early detection of kidney and cardiovascular diseases, diabetes and cancer is useful. An appointment of this kind includes a detailed discussion with the doctor, a full-body examination including blood pressure measurement, the laboratory analysis of blood samples to determine blood sugar and cholesterol levels, as well as an examination of the urine.
Skin cancer screening
From the age of 35 it is particularly advisable to have a screening for early cancer detection in the skin area carried out every two years. Furthermore, a palpation examination of the lymph nodes is carried out.
Palpation examination of the chest
From the age of 30, cancer screening for women is accompanied by an annual breast examination.
Which check-ups are important for 40 to 60 year olds?
Colon and rectal examination
For colorectal cancer screening, it is advisable for both men and women between the ages of 50 and 64 to undergo an annual colon and rectal examination. At this appointment, a test for hidden blood in the stool will be done.
Colon cancer screening
Prevention for the purpose of colorectal cancer early detection is provided from the age of 55 and is carried out every two years with a test for hidden blood in the stool. Furthermore, by a colonoscopy, which is carried out a maximum of twice, ten years apart. The colonoscopy is done with an endoscope so that the doctor can search the entire colon for cancer and its precursors. This measure is considered to be a prime example of sensible early cancer detection, since colon cancer can still be cured very well in its early stages.
This check-up is usually carried out between the ages of 50 and 69. Women are invited every two years to have an X-ray analysis of the breast area carried out for the early detection of tumors.
Which preventive examinations are useful for women and during pregnancy?
When it comes to screening for women, it is not only the issue of breast cancer that is relevant. A chlamydia test is also strongly recommended, as a chlamydial infection is a sexually transmitted bacterial infection that can lead to infertility. Early cancer detection in the area of the uterus is also useful. In addition to the external examination of the genital area, the focus of this measure is the diagnosis of the cervix. Malignant changes are detected by palpating the organs and swabbing the cervix and cervical canal. If therapy begins as early as possible, those affected can assume an almost one hundred percent cure rate. In women over 30, the breasts and armpits are also examined. For women aged 50 and over, it is advisable to have a mammography screening every two years. This is used for early cancer detection in the breast area and includes a consultation, the X-ray of both breasts and the subsequent double assessment of the X-rays by two independent experts.
Women should also undergo a number of examinations during pregnancy and after childbirth. This includes the detection and monitoring of high-risk pregnancies, ultrasound diagnostics, HIV tests, blood tests for infections and counseling for women who have recently given birth. If the child's development is suspected, further ultrasound examinations will be covered by the health insurance fund. All benefits provided by the statutory health insurance fund are listed in the so-called maternity guidelines. These ensure that the pregnant woman is fully informed about her own condition and that of her child.
Which checkups are important for men?
From the age of 45, the health insurers support men with prostate health. Early cancer detection is not only useful for older men. Testicular tumors can also develop in young men between the ages of 20 and 35. The annual number of patients with this condition is about seven per 100,000 men. For this reason, it is advisable that men over the age of 18 examine themselves once a month and consult a doctor if there are any signs. However, you are only really on the safe side if you have cancer screening carried out before 45, even if you are not yet entitled to it as a legally insured person.
Which check-ups are covered by the statutory health insurance?
Medical measures for the early detection of illnesses are partly paid for by the statutory health insurance companies. These usually take on treatments for cancer early detection, vaccinations and health check-ups and encourage their insured persons to take part in non-smoking or stress management courses.
The services provided by the health insurance companies include the following preventive examinations:
Children and adolescents: U-examinations, J-examinations, examinations for tooth, mouth and jaw diseases, vaccinations
Girls between 12 and 17: Cervical cancer vaccinations and HPV vaccinations
Women:Preventive services during pregnancy and childbirth, genital examination for early cancer detection, test for chlamydia up to the age of 25, palpation of the breast from the age of 30, mommography examination for tumors in the breast area from the age of 50 to 69
Men:From the age of 45, early cancer detection in the genitalia and prostate area once a year
Women and men: Dental prophylaxis, removal of tartar once a year, from the age of 35 health check-up for kidney and cardiovascular diseases, diabetes and cancer, skin cancer screening, palpation of the lymph nodes, from 50 to 54 an annual colon and rectal examination 55 years of age colonoscopy to diagnose colon cancer as early as possible
Which preventive examinations are not covered by the health insurance?
The statutory health insurance pays its insured persons for a whole series of important examinations, but it cannot cover all of them. Sensible treatments sometimes have to be borne by the patients who want to be examined themselves.
Doctors use HPV tests to identify human papillomaviruses that can cause cervical cancer. The cost of cancer early detection of around 80 euros must be paid by every legally insured woman over the age of 17.
Green star test
Ophthalmologists recommend having your eyes and intraocular pressure examined once a year from the age of 40. The measurements belong to the so-called IGeL services and are not taken over by the statutory, but only by private health insurances. The costs for this are usually around 20 euros.
Bone density measurement
To detect osteoporosis as early as possible, doctors recommend a vitamin D test or a bone density measurement. This type of disease is caused by the breakdown of bone mass. The test should be performed every five years from the age of 50. The examinations cost up to 100 euros.
Vaccinations against pneumococci
Bacteria that can cause pneumonia or meningitis are particularly dangerous for people over 60 years of age. These vaccinations cost around 20 euros.
Tumor marker test
Cancer types such as ovarian cancer, colon cancer or liver cancer occur more frequently from the age of 60 and 65. The tumors form certain proteins, which are also known as tumor markers and can be detected in the blood. The cost of this early cancer detection is around 60 euros.
With older age, hearing is increasingly limited. A hearing aid can compensate for the hearing impairment and make everyday life more pleasant. A hearing test at the ENT doctor burdens the household budget with approx. 40 euros.
Ensure comprehensive pension provision simply and sensibly?
If you want to ensure your health through comprehensive preventive care, you benefit from DFV outpatient protection. This offers you reimbursement for medical treatments that go beyond the benefits of the health insurance company. We provide you with advanced examinations and support you financially if a serious illness is diagnosed. Our outpatient insurance cover includes, for example, exercise ECGs, lung function tests, measures for early cancer detection, prenatal care, vaccinations for trips abroad and preventive medical checkups for children and adolescents.
With the German Family Insurance you will receive 100% of your expenses for outpatient preventive examinations, vaccinations and statutory co-payments, very easily and sensibly.
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