I had written about the issue is psychotherapeutic treatment as an obstacle when switching to the private health insurance already several times. Insurers react very differently to such pre-existing and query different time periods in the application.
It is of a period of 3 through 5 to (the rule) to 10 years. This indicate all treatments and consultations with regard to psychotherapy.
The applicant omits information intentionally or it omits this incorrectly represents or schönt them, so this leads to major problems in later benefits and may lead to the cancellation of the contract. The companies are today even more than reticent on the subject of psyche. Costs caused by such treatments are the main reason for this.
It is at all not even one, two, five or ten sessions which can be new, rather shy away from the company to have to pay the risk also extensive diagnosis and treatment of so-called psychosomatic disorders.
I had several times already written what can happen when such data does not or not correctly in reports and contributions to the pre-contractual duty of disclosure and the so-called Anzeigepflicht injury.
Just too frightened, therefore the statement of a specialists in an article has to me the subject. It says:
… an analyst specializing in the comparison of health insurances, advises on psychotherapeutic treatments weigh whether these benefits will immediately be submitted to the health insurer. “A psychological problem, which is due to a serious experience can be made already with five or six sessions from the world.” Damitbleibe the financial risk in a manageable, and the insured person prevent so that he is his insurer as “mentally ill” and is thus possibly installed a later change to a different provider. “Insured should distinguish between an emerging crisis and a serious illness, such as about a depression.”
Sorry ladies and “Gentlemen”, but that’s the biggest nonsense for a long time. Whether such a Bill is submitted or was doesn’t matter in the examination of the data for the application. This relates to statements which are without a doubt to make. The request is formulated that it captures all the information. A distinction is not made if the treatments are settled and filed.
Go for example to a fellow therapist and this not calculated, for example, 2, 3 or 5 sessions and more are not needed, even these are specify. It is asked (and finally matter) whether treatments as were, not whether they also paid / were settled.
Therefore, forget statements such as “have you paid” or “were only 2 3, a few sessions.” When asked about treatments and consultations, to specify also them. And if something else advises you of consultants / agents / representatives, please contact them quickly before the door.