PHI with Patellar prosthesis
How does this condition affect your private health insurance?
A patellar prosthesis, also known as patellofemoral joint replacement or patellar resurfacing, is a surgical procedure where the damaged cartilage on the undersurface of the kneecap (patella) and often the corresponding groove on the thigh bone (femur) is replaced with artificial components. This procedure is typically performed to alleviate severe, chronic knee pain and improve function in patients suffering from advanced osteoarthritis or post-traumatic arthritis primarily affecting the patellofemoral compartment, where non-surgical treatments have failed. It aims to restore smooth gliding of the kneecap, reducing pain and enhancing mobility.
PKV Risk Assessment
However, some specialized PHI providers may insure you with a surcharge of up to 40%.
Impact on Your Insurance Policy
Duration of Illness (Initial)
Months to several years (chronic knee pain/osteoarthritis leading to surgery)
Duration of Illness (Lifetime)
Permanent solution for a chronic condition (the prosthesis itself is meant to be long-lasting)
Cost of Treatment (Initial)
$15,000 - $35,000 (including surgery, implant, hospital stay)
Cost of Treatment (Lifetime)
$20,000 - $60,000 (including initial surgery, rehabilitation, potential future revisions)
Mortality Rate
<0.1% (associated with general surgical risks)
Risk of Secondary Damages
5-15% (e.g., infection, loosening, instability, persistent pain, nerve damage, deep vein thrombosis)
Probability of Full Recovery
70-90% (significant pain relief and improved function, though full pre-disease activity may vary)
Underlying Disease Risk
95-100% (primarily osteoarthritis of the patellofemoral joint, occasionally post-traumatic arthritis or severe patellofemoral pain syndrome) демонстрирующей необратимые повреждения)