House dust allergy – what does the health insurance company pay for?

If you or your child suffer from a house dust allergy, the allergic reactions will already be a major burden. It is difficult to sleep , in the morning the eyes water and symptoms, similar to a cold, appear.

You don’t want to wake up every morning with these ailments. There are some remedies that are found to be effective against the dust mites . However, special protective covers are associated with higher costs, and furnishing the bedroom suitable for allergy sufferers means additional financial outlay.

So that you are not left alone with these costs , health insurances offer cost coverage. In this way, you assume part or all of the costs of setting up the bed for allergy sufferers. For which measures is cost coverage guaranteed and how do you proceed?

There are a number of ways to alleviate the symptoms of your allergy. Your immune system responds to contact with the mites’ excrement with an overreaction . So basically it doesn’t help to come into contact with the allergens.

To do this, there is the option of using safe encasings or cleaning devices that reduce house dust. You pick up the small animals with a mite teat and reduce contact with the allergens.

But which measures are actually taken over by the health insurance and allow your complaints to subside?


In the context of a house dust mite allergy, special intermediate covers have proven to be effective. These are made of such a dense material that neither mites nor their droppings can get through.

As an intermediate cover , you protect your mattress as well as the pillow and the duvet . Also known as encasings, this equipment proves to be useful for allergy sufferers.

For most health insurances, it is therefore true that assuming the cost of encasings is not a problem . As a prerequisite, you should receive a confirmation from your doctor that you suffer from a mite allergy.

According to the case law of the Federal Social Court, encasings are classified as medicinal products. They improve the therapeutic treatment and alleviate the long-term damage to health.

Since asthma can also occur as part of the allergy , the encasings are necessary to protect yourself from this long-term risk.


The benefits of encasing have been known for a long time. In order to simplify this effect , some manufacturers have specialized in offering bed linen for allergy sufferers .

This already consists of a material that is impermeable to mites and their droppings. This means that the use of an encasing is no longer necessary and a protective effect is integrated.

For such special bed linen, a cost assumption or at least an additional payment is usually taken over. You have to find out for yourself how this is regulated by your health insurance company. The costs of bed linen for allergy sufferers are in the same range as the encasings, which is why they also improve sleep.


The pollution of the indoor air is also responsible for the allergic reaction For this reason, the purchase of an air purifier with a HEPA filter could be considered. With the effective filtering, the allergens would no longer pollute the air , but would be absorbed.

When it comes to air purifiers, however, the decision of the health insurances is less clear, as is the case with encasing. If you cannot sleep without an air purifier and the negative consequences are too great, the device could be classified as absolutely necessary . Then the acquisition costs would be covered.

Ultimately, the health insurance company decides for itself whether an air purifier will significantly improve your dust mite allergy. In order not to get stuck on the costs, you should contact the health insurance company in advance and ask whether they will cover the costs.

The same applies to a mite vacuum , with which you clean the mattress and the bed. Although these are conducive to a hygienic sleeping environment, they are seldom absolutely necessary. As a result, these are usually not covered by health insurance benefits.


In the case of interim payments, you will receive the positive message that these will be covered by the health insurance. But how do you go about getting the costs reimbursed?

The exact procedure differs from health insurance to health insurance. While some only need a simple invoice, others require a precise prescription.

You are on the safe side if you first go to your doctor and they confirm the house dust mite allergy. Then he should issue a prescription that you are dependent on the interim payments.

After receiving the prescription, contact a contract partner of the health insurance company. There you will receive your required interim payments. Most of the time it is only a question of rather simple designs. If you have special requirements, you can also order the intermediate covers elsewhere. However, you have to pay the additional costs yourself.

You now submit the invoice and prescription for the necessary aids to the health insurance company. In most cases, a small additional payment of 5 to 10 euros is necessary so that the full costs are not covered.


If you sleep with your partner in a double bed, you do not have to use separate bed linen. The intermediate covers can also be designed for the entire double bed. To do this, remind your doctor that you will sleep in a double bed and that the intermediate covers must cover this size. The equipment for siblings in a bunk bed is also usually taken over.

If you share the custody of your child and temporarily live with you and your former partner, double equipment is also no problem. This ensures that allergy-friendly equipment is available at every sleeping location.


Germany has a well -developed social system. This is also evident in health insurance. As an allergy sufferer, you are not left alone with the additional costs that you will incur.

Intermediate covers are usually taken over and prevent you from coming into contact with the allergens. To do this, first try to get the prescription from your family doctor and then contact the partners of your health insurance company. In this way, the health insurance company takes over the allergy-friendly equipment for your bed and you will suffer less from the symptoms.

Jamie Clark

Hello, I’m Jamie Clark, 32 years old, and I have been living in the USA for a few years.
Since I was a child, I have suffered from a house dust allergy, severely affecting me. I felt the effects both while exercising and while sleeping. Constant sneezing after getting up and difficult breathing were the consequences. The allergy has also developed into asthma, which is still a sporting restriction today.

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