What to do in the event of a claim

Chronic illnesses

Chronic illness is understood to refer to a persistent and sustained process that is accompanied by degenerative physical, social and psychological impairments or handicaps, and as a rule requires extended and sustained medical monitoring, observation and care (M. Mischo-Kelling, 1992 in Pschyrembel).

Forms of chronic illness

An acute illness generally sets in suddenly and dynamically, is of limited duration and can usually be cured in full. A chronic illness, in contrast, afflicts patients throughout their entire lives or at least over an extended period. There are lots of different forms of chronic illness:

  1.  Episodic, e.g. chronic polyarthritis
  2.  Sudden onset, e.g. breast cancer that is discovered by chance during a preventative screening
  3.  Chronic progredient, e.g. patient with congestive heart failure who over time requires care
  4.  Persistent, e.g. diabetes mellitus
  5.  Psychological or psychosomatic, e.g. burnout syndrome

Do you suffer from any of these? Then click on the accompanying links to find out what you can do next.