![]() ![]() Moreover, CRT-D devices were associated with higher cost. Conclusions: Compared to CRT-P devices, CRT-D devices had a significantly shorter device runtime of about two years. The median cost of implantation for a CRT-D device was 14,270 EUR, and for a CRT-P device 9,349 EUR. Median device runtime was 6.04 years for CRT-D devices and 8.16 years for CRT-P devices (log-rank test p<0.0001). A total of 4,296 complete runtimes for CRT-D devices and 429 complete runtimes for CRT-P devices were observed. Results: In total, the data set comprises 17,826 patients. The median costs for implantation, change, and removal of a CRT device were calculated accordingly. We defined device runtime as the time between the date of implantation and the date of generator change or removal. Methods: Health claims data of a large nationwide German health insurance was used to analyze CRT device runtime. Accurate estimates of cardiac resynchronization therapy (CRT) device runtime across all manufactures are rare, especially for CRT-P. Here the benefits are at SHI level and the costs are capped at the SHI maximum.Introduction: This study investigates the runtime and costs of biventricular defibrillators (CRT-D) and biventricular pacemakers (CRT-P). Only the PHI basic tariff is then available to those affected. In addition, insurers may reject the applicant on the basis of their state of health. Pre-existing conditions: These can lead to a higher PHI contribution. Pre-existing conditions have no effect on the level of contributions. Pre-existing conditions: If foreigners meet the requirements for statutory health insurance, they cannot refuse health insurance. The higher it is, the cheaper the contribution. However, you can opt for an optional deductible tariff, which allows you to save on contributions in return.ĭeductibles: With private health insurance, foreigners are free to choose the deductible amount. In the case of hospitalisation, the insurer also settles directly with the clinic.ĭeductibles: The statutory health insurance schemes do not provide for any deductibles for foreigners. Prepayment: Privately insured persons pay their medical bills themselves and then submit them to their private health insurance company, which then reimburses the costs. Exceptions to this rule are co-payments, for example for medicines, for which insured persons generally pay themselves. Prepayment: Treatment costs are paid directly by the health insurance company, so insured persons do not have to pay in advance. Moreover, innovative treatment methods are available to them more quickly than in the SHI system. Foreigners with private health insurance often benefit from shorter waiting times. In the hospital, for example, they can arrange for treatment by the senior consultant as well as a single room. The details of what the health insurance covers is described in the SHI benefits catalogue.īenefits: Insured persons determine the scope of benefits themselves. Unlike the SHI system, income plays no role.īenefits: These are for the most part identical across health insurance companies and only differ in a few additional benefits. For self-employed persons, the minimum contribution is around €149 and the maximum contribution is €736 per month.Ĭosts: The contribution amount depends on the agreed benefits, the applicant’s age when the policy was taken out and their state of health. For employees, the employer pays half of the contribution. There is also the additional contribution, which varies depending on the plan. Zahnzusatzversicherung Menü umschaltenĬosts: The contribution amount depends on income and is 14.6 percent.
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