PHI with fibromyalgia syndrome
How does this condition affect your private health insurance?
Fibromyalgisches Syndrom (FMS) is a chronic disorder characterized by widespread musculoskeletal pain accompanied by fatigue, sleep, memory and mood issues. Researchers believe FMS amplifies painful sensations by affecting the way your brain and spinal cord process painful and nonpainful signals. Symptoms often begin after a physical trauma, surgery, infection or significant psychological stress. It is more common in women than in men, and often co-occurs with other conditions like irritable bowel syndrome, migraines, and anxiety. While there is no cure, a variety of treatments can help control symptoms.
PKV Risk Assessment
Individual, specialized PHI providers may still insure you, but with a significant surcharge.
Impact on Your Insurance Policy
Duration of Illness (Initial)
Gradual onset over several weeks to months, with symptoms worsening over time.
Duration of Illness (Lifetime)
Chronic, lifelong condition with fluctuating symptom severity.
Cost of Treatment (Initial)
Moderate, ranging from hundreds to a few thousand USD/EUR depending on diagnostic workup and initial therapeutic interventions (medication, physical therapy).
Cost of Treatment (Lifetime)
High, potentially tens of thousands of USD/EUR over a lifetime due to ongoing medication, therapies (physical, psychological), specialist consultations, and potential for reduced work capacity.
Mortality Rate
Very low directly from the disease; however, chronic pain and associated depression can increase suicide risk.
Risk of Secondary Damages
High (70-90%) including chronic fatigue, sleep disturbances, depression, anxiety, reduced physical function, social isolation, and impaired quality of life.
Probability of Full Recovery
Low (less than 5-10%) for complete, permanent symptom resolution; management focuses on significant symptom reduction and improved function.
Underlying Disease Risk
High (50-80%) for co-occurring conditions such as irritable bowel syndrome, chronic fatigue syndrome, migraines, temporomandibular joint disorders, anxiety disorders, and depression.