Understanding Medical Cannabis in Germany

Since the legalization of medical marijuana in 2017, Germany has allowed patients with specific medical conditions such as chronic pain, multiple sclerosis, and chemotherapy-induced nausea to access cannabis via prescription. Initially, the process was heavily regulated, requiring patients to navigate a complex healthcare system to obtain the necessary approval.

However, as of April 2024, accessing medical cannabis has become significantly more straightforward. This blog post will guide you through the steps to obtain medical cannabis and discuss the potential implications for your health insurance.

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How to Obtain a Prescription in 2024

With the recent changes, acquiring a prescription for medical cannabis in Germany has become easier than ever. The introduction of one-stop platforms streamlines the entire process, from submitting a medical questionnaire to receiving your prescription by mail.

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While we won't mention specific platforms due to lack of affiliation, finding them is as simple as a quick online search. Here’s a general overview of the process:

Steps to Obtain a Prescription:

1. Consultation Options: Depending on the platform, you may have up to three options to consult with a doctor:
   • Physical Appointment: Visit a doctor in person.
   • Remote Appointment: Consult with a doctor online.
   • Medical Questionnaire: Fill out a questionnaire without needing an appointment unless the doctor has questions.
2. Filling Out the Questionnaire: If you choose the third option, you’ll complete a simple questionnaire detailing your symptoms and reasons for seeking a prescription.
3. Doctor's Review: After submission, it usually takes a few business days for a doctor to review your case. They will either issue a prescription or request further information.
4. Selecting and Ordering Your Strain: Once you receive your prescription, you can select your preferred strain of cannabis (some platforms offer over hundred different strains for your selection). You then choose an Apotheke (pharmacy) for your order, pay for the goods, and wait for delivery to arrive at your home.

Repercussions for Health Insurance and other insurances

It's crucial to consider the implications of a medical cannabis prescription on your health insurance. If you decide to obtain a prescription, this information will be recorded in your health history. Should you later wish to switch to private health insurance, this could pose challenges and maybe even make it impossible. Insurance companies might view a medical cannabis prescription as a potential liability, potentially affecting your application.

The same holds true for other insurances, such as disability insurance or life insurance. You always have to disclose the last 3-5 years of your medical history and e.g. chronic pain issues that might give you the medicinal cannabis, might make it impossible to obtain such an insurance later on.

Conclusion

In conclusion, while the process of obtaining medical cannabis in Germany has become more accessible, it's important to weigh the benefits against potential impacts on your health and other insurance plans. Always consult with healthcare professionals and insurance advisors to make informed decisions.