Compensation for Somatoform (Psychogenic) Tinnitus in Private Accident Insurance

Background
According to special arrangements in private accident insurance, it is now possible that tinnitus as exclusive sequel (psychogenic tinnitus) can be compensated. This new situation leads to the unanswered question of how such a psychogenic (somatoform) tinnitus should be compensated in regard to the valid compensation tables.
Methodology and results
The differentiation between an otogenic and somatoform tinnitus allows a judgement as defined by the general terms and conditions of the private accident insurance. An individual compensation of 5 % or of a complex, decompensated tinnitogenic psycho-syndrome 10 % of the sum insured is proposed.
Conclusions
All impairment of the psychic function as exhaustion, nervous excitability, sleeplessness, depression and concentration disturbances are included in this invalidity of 10 %. In case of a tinnitogenic psycho-syndrome, the medical assessment should be done by a neurologist/psychiatrist.

Publication year:2008

Keywords:private accident insurance, psychogenic tinnitus, tinnitogenic psychosyndrome, tinnitogenes Psychoyndrom, invalidity, somatoform tinnitus

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