Table 3.

Reimbursement landscape in given countries.

Country	Public health insurance	Private health insurance	Employer sponsored	Consumer funded
US	Products covered depending on insurance scheme	Most products covered, with some limitations	Coverage available through direct negotiation	Out-of-pocket payments possible
Germany	Statutory health insurance coverage; Digital health product directory (DiGA); selective contracts	Not obliged to cover products but possible through direct negotiation	Not common	Low willingness to pay out-of-pocket
France	Individual funding decisions; Some experimental coverage options	Some coverage of specific items	Not common	Low willingness to pay out-of-pocket
UK	No national reimbursement, local organizations for funding and reimbursement	Some products partially covered, but not a common route	Not common	Low willingness to pay out-of-pocket
Australia	Some schemes available depending on therapeutic area	Some products covered depending on benefit and efficiency gains	Protection insurance providers may fund digital health	Difficult; co-pays common