Costs of a genetic test

Prices may vary depending on the test and provider. An average genetic test costs between 150 and 200 euros. However, the price can vary considerably.

Usually a test for hereditary cancer mutations costs at least 1000 Euros, but should be covered by health insurance if there is a proven risk of disease.Genetic tests from commercial providers that examine certain genetic characteristics can be available for as little as 100€. However, their informative value and reliability is not reliable, which is why such amateurishly performed tests are not recommended. The legal health insurance pays with accordingly meaningful reason a gene testing completely.

There are, however, exceptions that can be requested individually from the respective insurance company. These include, above all, tests for one’s own interest, where there is no risk factor or descent from different ethnic groups is to be determined. In the case of artificial insemination, a co-payment obligation can also be claimed under certain circumstances, so that the costs are not fully paid by the health insurance company.

Those who are privately insured are often reimbursed for “necessary medical treatment”, depending on the insurance and individually agreed services. This is a broad term and can be inquired about at any time. Thus, counselling interviews or various diagnostic examinations are usually included in this framework of “curative treatments”.

The cost coverage by the health insurance company depends on the test performed. If, according to medical guidelines, there is a need for genetic diagnostics that contribute to the diagnosis and treatment of the disease, the insurance companies normally pay for this diagnostic procedure. Depending on the insurance company and the claim, it is possible that individual services are not covered by the health insurance company and have to be paid privately.

For some diseases or tumor markers, however, it is possible to obtain help from associations and official networks for the corresponding disease if the costs have been refused by your own health insurance company. With a few details about your own insurance and the reasons for refusing to pay the costs, it is sometimes possible to settle the costs through an association. However, it is advisable to check with the relevant health insurance company before a test to see which services are covered.