For members


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:

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For members


EXPLAINED: What you need to know about dental insurance in Switzerland

A healthy smile is very important to most people but maintaining it can come at a steep price in Switzerland. Here's everything you need to know about paying for a dental insurance, from the cost to what's covered.

EXPLAINED: What you need to know about dental insurance in Switzerland

When does basic insurance pay?

It won’t come as much of a surprise that many dental treatments in Switzerland – if not most – are not in fact covered by compulsory basic health insurance. Instead, people are advised to consider getting additional insurance. Still, this does not mean that your basic insurance won’t cover any of your dental treatments.

According to Chapter 5 in the ‘Dental Treatment’ of the Health Care Benefits Ordinance (Articles 17 to 19a), basic insurance will pay for a dental treatment if it:

  1. Is caused by a severe, unavoidable disease of the masticatory system
  2. Is caused by a serious general illness or its consequences
  3. Is necessary for the treatment of a serious illness and its consequences

Mandatory basic insurance also covers dentists if their work is ‘necessary to support and ensure medical treatment’, for example in the case of a heart valve replacement or radiation therapy.

Lastly, it finances dental treatment that becomes necessary as a result of a congenital defect or an accident.

If your compulsory basic insurance can indeed cover the costs, then your treating dentist can submit a detailed cost estimate to your health insurer which can then examine the request with a trusted dentist.

Should your health insurer give your dentist go-ahead, they can begin the treatment at the former’s cost. The reimbursement will then be made directly between your treating dentist and your health insurer.

When should I take out dental insurance?

Since dental costs are incredibly high in Switzerland and basic insurance will only cover them in exceptional cases, taking out dental insurance is generally considered a smart move at any age. If you have complementary insurance on top of basic then you should check if this covers any dental care and treatment.

By taking out a dental insurance, you can save money, especially when having more complex and hence pricier dental work done such as braces or implants.

However be aware that often the more elderly are excluded from being able to buy dental insurance.

The only time a dental insurance would not make sense is if you do not visit a dentist regularly or cannot afford to make monthly payments. For those on lower wages, it may make sense to apply for an additional subsidy from your health insurance company.

Dental treatment costs in Switzerland:

Tooth filling: 200 to 500 francs

Wisdom tooth extraction: 500 to 800 francs

Root canal: 700 to 1500 francs

Implants: 1,000 to 10,000 francs

Braces: 4,000 to 12,000 francs

How much does a dental insurance cost?

The costs for taking out a supplemental dental insurance vary greatly and depend on the range of services provided for in your respective contract. Meaning that the waiting period, sum limit, age and condition of the teeth will also be considered when determining the monthly cost.

For adults, insurance usually falls in the range of 30 to 50 francs per month. however if you have a history of costly dental treatment you are likely to have to pay a higher insurance premium.

Kids’ insurance ranges between 10 and 20 francs.

What will my dental insurance cover?

Most contracts are concluded with a view to specific dental needs. However, generally, a supplemental dental insurance in Switzerland covers prophylaxis (tooth cleaning), dental treatment (fillings, root canals), dentures (implants, crowns), and orthodontic measures (braces, retainers).

What do I need to know about the waiting period?

When taking out an insurance in Switzerland you’ll be faced with a so-called waiting period, meaning your new health insurance will not pay any benefits for a certain time frame. The length of this time frame is varies from provider to provider but can last up to eight months.

The waiting period essentially functions as a protective measured for the insurance company to ensure it is not liable for any damage to your teeth that could have occurred or occur prior to the conclusion of the contract.

However, if you would like to forgo this waiting period there are many policies that will insure you right away. The catch? A higher monthly premium.

What if I can’t afford dental insurance or I can’t purchase it?

One important thing to remember is that for those without insurance – whether it’s because you can’t afford it or you were rejected buy an insurer, you can discount the cost of your dental treatment from your Swiss tax bill.