PHI with Dust mite and grass allergy
How does this condition affect your private health insurance?
Hausstaub- und Gräserallergie (dust mite and grass pollen allergy) are common atopic conditions where the immune system overreacts to harmless airborne particles. Dust mite allergy, often year-round, is triggered by microscopic insects in house dust. Grass pollen allergy, or hay fever, is seasonal, peaking during grass pollination. Symptoms include sneezing, runny or stuffy nose, itchy, watery eyes, and an itchy throat. These allergies can significantly impair quality of life, leading to sleep disturbances, reduced concentration, and fatigue. If untreated, they may contribute to the development of allergic asthma, a phenomenon known as the allergic march.
PKV Risk Assessment
However, some specialized PHI providers may insure you with a surcharge of up to 15%.
Impact on Your Insurance Policy
Duration of Illness (Initial)
Several days to weeks, depending on exposure and symptom management
Duration of Illness (Lifetime)
Chronic, often lifelong condition with fluctuating symptom severity
Cost of Treatment (Initial)
Low to moderate (e.g., 20-200 EUR) for initial symptomatic relief, including OTC medications or a GP visit
Cost of Treatment (Lifetime)
Moderate to high (e.g., 500-5000+ EUR annually or over several years) including chronic medication, specialist consultations, and potentially immunotherapy
Mortality Rate
Extremely low to negligible (effectively 0%) unless severe, untreated asthma complications arise
Risk of Secondary Damages
Moderate to high (e.g., 30-60%) for conditions like chronic sinusitis, otitis media, sleep disturbances, fatigue, and potential development or worsening of allergic asthma
Probability of Full Recovery
Low (e.g., 5-15%) for spontaneous, permanent resolution. Immunotherapy can achieve significant long-term symptom reduction or remission in 70-80% of suitable cases, but not always a 'complete recovery'
Underlying Disease Risk
High (e.g., 40-60%) for a genetic predisposition to atopy. Also, a significant probability (20-40%) of developing or having co-existing conditions like atopic dermatitis (eczema) or allergic asthma, especially in children (allergic march)