You cannot conclusively say that. Each representative of the insurance company will decide on a case by case basis. Therefore, it is best to speak personally with the person in charge.
A reimbursement is made on a goodwill basis, since a cool bag is not a “medical device” or “assistive device” or “therapeutic product” within the meaning of the law. However, most health insurances refund at least part of the cost because you urgently need to keep your medicine in the cold chain. The molecular structure of your drug will not be damaged, only if it is maintained in the cold chain. Only if the cold chain is maintained is there no loss of effectiveness. You will inevitably need a medicine cooling bag for your medicine, in order to maintain the effect of the drug in general. You have no choice. And the health insurance companies should be aware of this.
The COOL*SAFE bag is inevitably a prerequisite for
- Your medicine to safely arrive in your refrigerator or
- Offering you a chance of being mobile..
With 1; first and foremost, it is important for you to be able to safely transport your medicine from the pharmacy back to your home. That is the most important thing. However, pharmacies cannot offer a safe medicine cool bag other than COOL*SAFE, which has been tested by the TÜV. There is only COOL*SAFE.
Styrofoam containers are sometimes lent, but these are very dangerous, since the frozen ice pack contained in them could freeze the medicine, even if the distance from the pharmacy to home is only 5 minutes. Or if the pharmacy offers only a thin insulated bag, then the drug will become too warm very quickly.
As a patient, you cannot take this risk.
With 2; although safe medicine cooling from the pharmacy to home is first of all the most obvious thing, you also need to be mobile despite your illness. For example, you need to be able to travel by train or car to a remote hospital rehabilitation centre. For this too, you will need a safe cold chain. Here, it is not an issue of wanting to indulge yourself in a so-called luxury “vacation”, and would like to get reimbursed for a dispensable luxury item. But also, there is the probability that you have to spend the night somewhere. You cannot expect that from now on you will only have to stay at home.
If the health insurance company should argue that it is the responsibility of the pharmacy to provide you with a safe cooling bag to transport your medicines home, then know that this is not true. A good pharmacy can voluntarily offer you this service. You can also ask the health insurance company which medicine cooling bag they would recommend to the pharmacy for lending, which will NOT harm the drug. The health insurance company will probably not be able to answer that. Another safe cool bag other than COOL*SAFE does not exist. We don’t know of any other. If so, let us know about it.
In fact, there are only COOL*SAFE cool bags that can provide proper cooling of your medicine in the cold chain. Your insurance representative can call us or better still, write to us, and we can provide him/her with further information.