The former France international believes that the Blues could struggle without their skipper, describing the centre-back as essential to the English side's defence
The Blues skipper will miss the clash through suspension after being shown a straight red card for kneeing Alexis Sanchez in the back of the thigh during the second leg of their Champions League semi-final tie with Barcelona at Camp Nou.
With Ramires, Branislav Ivanovic and Raul Meireles also banned, Desailly is deeply concerned about his old side's chances of claiming their first Champions League title.
"It is certain that these suspensions are a burden for coach Roberto Di Matteo," the Frenchman told L'Equipe. "It will be difficult for him.
"John Terry will be greatly missed. He is essential in defence. He is a brave captain who brings energy to his team-mates.
"The absence of Ramires, who has grown in importance in recent weeks, will also weigh heavily.
"Just like Branislav Ivanovic, who was a mainstay of the defence. But it's a final. Anything can happen in a final."
Whereas the Blues got by Barca on the back of a Herculean defensive display, Desailly believes that Chelsea will be far more adventurous in Munich and is therefore anticipating a thrilling final.
"We will not see Chelsea sitting back in their half - I suspect they will play [further] forward," the World Cup winner mused. "Especially since Di Matteo knows Bayern tend to leave space in behind.
"We will certainly have an entertaining game because Bayern cannot help but play in the attacking half, while Chelsea will be trying to quickly come to the fore.
"There will be plenty of space and the Blues will benefit. Didier Drogba will have a role to play."
Chelsea's meeting with Bayern at the Allianz Arena is scheduled to kick off at 20.45CET.
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