# Your Rights: Health Insurance Benefits
Keywords: multiple sclerosis, health insurance, medications, therapies, rehabilitation, home care, hospital stay, financial assistance

> This page provides an overview of the health insurance benefits available to individuals with multiple sclerosis (MS), including coverage for medications, therapies, medical aids, and financial support for hospital stays and home care.

## Details
- [What does statutory health insurance cover?](#): Statutory health insurance covers medically necessary measures, including doctor visits, prescription medications, and some non-prescription drugs.
- [Are costs for therapeutic remedies covered?](#): Therapeutic remedies like physiotherapy, occupational therapy, and speech therapy are covered, with flexible adjustments introduced in 2021.
- [Are costs for medical aids covered?](#): Medical aids must be medically necessary and listed in the official medical aid directory; partial costs are borne by patients.
- [Are costs for additional services covered?](#): Coverage for services like homeopathy, osteopathy, or acupuncture varies by insurance provider.
- [Who pays for hospital stays?](#): Statutory health insurance covers hospital stays, with a daily co-payment of €10 for up to 28 days per calendar year.
- [Is there salary continuation or sickness benefits?](#): Employers pay regular salaries for six weeks; sickness benefits are provided by health insurance for up to 78 weeks within three years.
- [When is household assistance approved?](#): Household assistance can be requested during hospitalization, rehabilitation, or if MS prevents household management.
- [Is home healthcare covered?](#): Home healthcare is an alternative to hospitalization, covering nursing, medical assistance, and household support, with co-payments required.
- [Can health insurance cover transportation costs?](#): Transportation costs are covered if medically necessary, subject to prior approval.
- [When can rehabilitation or a cure be approved?](#): Rehabilitation aims to improve quality of life and prevent further health deterioration, with coverage depending on medical evaluation and insurance type.
- [Cost coverage for health insurance services](#): 95% of health insurance services are legally mandated, ensuring uniform coverage across providers; additional private insurance may be considered for specific needs.