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HEALTH INSURANCE

Acupuncture to rolfing: What your Swiss health insurance gets you (if you pay more)

If you pay for supplementary health insurance in Switzerland you can benefit from access to complementary therapies. We look at what's available and how the system works.

Acupuncture to rolfing: What your Swiss health insurance gets you (if you pay more)
What complementary therapies are available in Switzerland? Photo by Katherine Hanlon on Unsplash

Like numerous countries in Europe, health insurance in Switzerland is a compulsory coverage that all people must have.

Most Swiss insurance providers offer several options for their customers, which are separated into two categories: basic and supplementary.

Basic health insurance (KVG / LaMal) must be purchased, because it is compulsory. Supplementary insurance comes with extra benefits for healthcare but also of course an extra fee.

The franchise (or deductible) will need to be met, but thereafter, even basic insurance has you covered. It pays for medical care, prescriptions, and specialist care like eye doctors, sometimes even without  referrals from your primary care physician. Supplementary health coverage, however, gives you access to complementary therapies that can differ substantially from what basic coverage allows. 

CLICK HERE for more on health insurance in Switzerland

You have to fill out a form the insurance carrier provides and sometimes might have to undergo a health check and discuss preexisting conditions in order to see how much insurance coverage can be offered — if any at all. 

Unlike the KVG / LaMal, which must be provided to all residents regardless of their health status, insurers can deny supplementary coverage if they deem you too much of a risk.

This can happen if you have chronic illnesses or pre-existing health problems, in which case you could be either turned down or offered a policy with wavers for your specific conditions.

Each insurance company decides what coverage they will offer and what percentage they pay, depending on both your overall health at the time of enrolment, and which plan you choose. You’ll be able to read what’s included in your plan in the paperwork you receive from your health insurance and, as always, the fine print is important to read. 

People who only have basic KVG / LaMal insurance still have thorough coverage for many things, from standard doctor visits to in-patient care and hospital stays.

READ ALSO: What is not covered by compulsory basic health insurance in Switzerland?

What complementary treatments are available?

In Switzerland, homeopathy is included in all health insurance plans, as healthcare isn’t merely approached with classical treatments; instead, a holistic approach is applied to healthcare throughout the country. The complementary therapies available through the supplementary insurance give individuals the opportunity to play an important part in their own wellness. 

Having a supplementary insurance not only increases the financial coverage you’ll have for some of your standard medical needs, but it also brings expanded access to numerous forms of wellness therapies. The Swiss are very focused on health and wellness and it is clear through the various types of insurance available, that a primary focus is getting the population healthy and keeping it that way. This additional insurance creates a way for people to access treatments and care for their well-being which, in turn, creates a healthier population. 

Complementary therapies can include various styles of massage including, classic, manual lymph drainage, therapeutic, connective tissue, acupressure, and medical massage, among others.

There are additional treatments and therapies such as foot reflexology, osteopathy, and Rolfing (massage/treatment of connective tissues) that are included in the coverage, plus there is also access to traditional Chinese medicine including cupping (suction cups applied to your body), acupuncture, and herbal medicine. Some practitioners also offer consultations in naturopathic health, including detoxification (guided cleansing of your digestion and body), nutrition, and hydrotherapy (using the element of water as therapy).

READ ALSO: How people in Switzerland can save money on healthcare

Your insurance provider will be able to better detail what is covered for you.

Another thing to take into consideration is that some insurance plans will even reimburse a portion of the costs of other health-related things, such as a part of the annual cost of a gym membership. Some plans will refund about 800 Francs per year for a gym membership that costs about 1,400 Francs. Granted, you will pay more each month for some of these extra options, but having access to them– and utilising them– can make the pricier monthly cost worth it. 

How do you go about getting complementary therapy?

Once you’ve signed up for supplementary insurance, you’re able to view a list of complementary therapies on the website of your insurance provider. Getting connected with a masseuse, osteopath, or other care provider is as simple as calling them up and scheduling an appointment. Once you have the supplementary insurance, there is no need to go to your primary physician and get a referral. 

In Switzerland, the reimbursement process for these therapies is also a little different. While some practitioners will still have you pay direct and out of pocket for the treatment (with a reimbursement coming later, after you’ve submitted the receipt to your insurance company), others will send you a bill in the mail. This creates a unique way that you can receive the receipt from the treatment, file it with the insurance, and often times have the reimbursement from the insurance deposited directly into your bank account before you even pay for the initial treatment. This makes it so that people who also don’t have a lot of access to cash can still receive quality care.

READ ALSO: Which Swiss cantons see the biggest hikes in health insurance premiums?

Be aware though you can’t just go for as much cupping, acupuncture or “rolfing” as you’d like because most insurers will put a limit on how much treatment you can get in a certain period. Some insurers might not cover the full cost meaning the patient might have to pay 10 to 20 percent of the fee.

This focus on providing access to things that augment an individual’s overall wellness makes Swiss healthcare among some of the best in the world. If you can see beyond the price tag (and let’s admit, it is expensive: sometimes 400-500 Francs or more each month), there are myriad ways to source treatments and therapies that will benefit your overall health and well-being, making for a healthier and ultimately happier person. 

When you first move to Switzerland, you can either select an insurance on your own, or sit down with an insurance consultant who will not only go over what each insurance offers, but can help you find the best coverage for you, your family, and your situation. When you need to make a change with your health insurance, you can get in touch with the consultant and they will procure the papers needed to make the changes. Although there is a cost associated with this sort of service, it can make selecting and signing up for health insurance in Switzerland an easy and smooth process. 

To find out more and compare rates for health insurance in Switzerland, information can be found here: https://en.comparis.ch/krankenkassen/default

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For members

HEALTH

Why do so many foreign doctors practice in Switzerland?

Slightly more than 40 percent of medical professionals working in Switzerland are of foreign origin, and their numbers are growing. What is the reason for this upward trend?

Why do so many foreign doctors practice in Switzerland?

In 2023, there were 16,590 foreign physicians working in Switzerland, according to a press release published by the Swiss Medical Association (FMH) on Wednesday.

While that in itself may not seem like a huge number, it constitutes 40.4 percent of the physicians practicing in Switzerland.

And this figure is not static: it has grown from ‘only’ 9,756 a decade ago.

Why has this been happening?

At least part of the answer lies in the general shortage of qualified personnel that has been plaguing many sectors of Switzerland’s economy — including healthcare.

“This increased need to call on foreign specialised personnel reminds us that there are not enough doctors trained in Switzerland to cover needs,” the FMH said.

Medical experts have been sounding the alarm about this scarcity.

According to FMH’s president Yvonne Gilli, Switzerland is training too few doctors, which will create a “healthcare gap” and have dire consequences in the near future, especially since more people are living longer and are developing chronic illnesses.

READ ALSO : Why Switzerland faces dire problem of doctor shortages 

Where is Switzerland recruiting doctors from?

Germany is by far the country that ‘exports’ the most doctors to Switzerland, (50.2 percent).

Italy comes next with 9.5 percent, followed by France (7.1 percent) and Austria (6 percent).

The reason for this is simple and pragmatic at the same time: these physicians not only speak one of the national languages, but they are also EU nationals, which means they can work in Switzerland with no problem.

That’s because the agreement on the free movement of people allows the recognition of diplomas from EU and EFTA states, though doctors coming from those countries must still obtain an authorisation to practice in Switzerland.

Are Swiss doctors required to speak English?

Most physicians working in Switzerland have some level of English proficiency, ranging from basic to fluent because much of medical literature, as well as some exams, are in English only.

However, the only official requirement set by both the Federal Office of Public Health (FOPH) and the FMH is that doctors practicing in Switzerland must speak the language of the canton in which they work (which is why physicians from Germany, Italy, France, and Austria are recruited) . 

Nowhere in the official requirements list, however, is there any mention of the obligation to be proficient in English in order to be able to practice medicine in Switzerland.

READ ALSO : Do all doctors in Switzerland have to speak English? 

And if you are new in Switzerland and are looking for a physician, this article will provide useful information:

READ ALSO: What you should know about finding a doctor in Switzerland
 
 
 
 

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