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In Germany, the use of Volks-Treppenlifts (public stairlifts) is often considered a medical aid (Hilfsmittel), and their coverage depends significantly on the type of health insurance plan you have. Here's a breakdown of how stairlift coverage works under Statutory Health Insurance (Gesetzliche Krankenversicherung, GKV), Private Health Insurance (Private Krankenversicherung, PKV), and Long-Term Care Insurance (Pflegeversicherung).
Statutory Health Insurance (GKV)
Generally, statutory health insurance covers stairlifts only if they are medically necessary and prescribed by a doctor, following a thorough assessment by the medical service (MDK - Medizinischer Dienst der Krankenversicherung). Coverage usually applies to stairlifts classified as medical aids intended to help severely disabled or mobility-impaired persons. The insurance usually covers either rental or purchase costs partially or fully, but prior approval is required. Not all types or models qualify—only those meeting medical and safety standards are covered.
Private Health Insurance (PKV)
Private plans tend to offer more flexible coverage, but it heavily depends on the individual contract. Many private insurers cover stairlifts if prescribed and deemed necessary by a doctor, with potentially fewer bureaucratic hurdles than statutory insurers. Customers should review their specific insurance terms or contact their insurer for confirmation.
Long-Term Care Insurance (Pflegeversicherung)
Since July 2017, the long-term care insurance sometimes covers stairlifts if they help maintain independence at home and are part of the individual care plan. The benefit can include covering or subsidizing stairlifts as part of care-related modifications to the living environment.
In summary, coverage depends on medical necessity, prescription, and the approval process. It's essential to consult your insurance provider and doctor directly. Legal requirements and lists of approved stairlifts apply. Volks-Treppenlifts may be covered if they meet these criteria under GKV, PKV, or Pflegeversicherung.
For specific insurers or plan names, contacting the relevant health insurance fund or a medical supply service in Germany that handles stairlifts would give the most precise guidance.
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