Self-Pay Patient Rights under IGeL: Understanding Your Benefits
In Germany, patients have the right to make informed decisions about Individual Health Services (IGeL), which are optional or additional medical services not covered by statutory health insurance. Here's what you need to know to navigate this system with confidence.
Before undergoing an IGeL, patients are entitled to a written cost estimate detailing the expected expenses. This transparency protects consumers from unexpected charges and supports informed consent in healthcare. Additionally, patients are granted a reflection or consideration period, allowing them time to weigh the costs and benefits before proceeding with the service.
The key points regulating IGeL are as follows:
- A written cost estimate is mandatory prior to the service, listing costs according to the fee schedule for doctors (GOÄ).
- Patients are granted a reflection period, typically allowing about 24 to 48 hours to consider the service and costs.
If the patient agrees, the service can be performed as a self-paid, private health service outside of statutory health insurance coverage.
It's worth asking your health insurance company in advance whether they cover the service, as many insurers participate in the costs for travel vaccinations. However, it's important to note that not all IGeL are medically necessary or effective.
The "igel-monitor.de" portal recommends asking questions like "What benefit could this method have for me?" and "What risks could be associated with it?" in the doctor's office. This portal does not provide comprehensive information on all IGeL, so it's essential to do thorough research before making a decision.
Doctors are not allowed to perform an examination or therapy without first informing the patient about the costs. They also may not make consent to an IGeL a prerequisite for a medically necessary treatment. A contract must be concluded before the treatment begins.
Not all IGeL procedures can be assumed to be effective. For example, the Medical Service of the Federal Government has warned against hyaluronic acid injections for hip and knee arthritis, as some self-pay services can do more harm than good.
Patients should be cautious when considering self-pay services and consider their potential risks and benefits. If a contract has not been concluded, patients do not have to pay for the IGeL, even if they have used it.
In summary, understanding IGeL in Germany is crucial for making informed decisions about your healthcare. By knowing your rights and asking the right questions, you can ensure that you are making the best choice for your health and wallet.
