PHI with Pes valgus

Read in German: PKV mit Knick-Senkfuß

How does this condition affect your private health insurance?

Knick-Senkfuß, commonly known as flexible flatfoot in English, is a condition where the arch of the foot collapses when weight is put on it, but reappears when the foot is not bearing weight. It often involves a valgus deformity of the heel (hindfoot pronation) and a flattened midfoot. This common musculoskeletal condition can affect children and adults. Symptoms range from asymptomatic to chronic pain, fatigue in the feet and legs, and potential secondary issues in the knees, hips, or back due to altered biomechanics. Causes include ligamentous laxity, muscle weakness, overuse, or obesity.

PKV Risk Assessment

Slightly Elevated Risk

Impact on Your Insurance Policy

Duration of Illness (Initial)

Gradual onset, often unnoticed for months to years, with symptoms appearing progressively.

Duration of Illness (Lifetime)

Often a chronic, lifelong condition if left untreated or not adequately managed, though severity can fluctuate.

Cost of Treatment (Initial)

Low to moderate (e.g., orthotic inserts, physical therapy, initial specialist consultation).

Cost of Treatment (Lifetime)

Moderate to high, depending on the need for ongoing orthotics, physical therapy, specialized footwear, or potential surgical intervention in severe, symptomatic cases.

Mortality Rate

Extremely low (virtually 0%), as it is a musculoskeletal condition.

Risk of Secondary Damages

Moderate to high (e.g., chronic foot pain, fatigue, gait abnormalities, bunions, hammertoes, knee/hip/back pain, plantar fasciitis).

Probability of Full Recovery

Moderate with early and consistent conservative treatment (especially in children); lower in adults without intervention, where management aims to alleviate symptoms and prevent progression rather than achieve a 'cure'.

Underlying Disease Risk

Low to moderate (e.g., generalized ligamentous laxity, obesity, rarely neurological disorders or inflammatory arthritis like rheumatoid arthritis in adults).

The information provided is for general informational purposes only and is not a substitute for professional medical or insurance advice. Always consult with a qualified professional for any health concerns or before making any insurance decisions.