Blog series “Your questions – our answers”
When conventional medicine runs out of answers, many patients turn to complementary medicine. But what therapeutic methods and procedures will health insurers actually pay for? Our AXA expert explains what health insurance funds will cover and to what extent.
The terms “complementary medicine” and “alternative medicine” encompass a range of therapies, remedies, and diagnostic procedures that do not fall within the scope of conventional medicine. Whereas the latter focuses on individual symptoms, approaches under alternative medicine are based on a holistic view and explore the background to illnesses. Such treatment methods are becoming increasingly popular – particularly when conventional medicine can no longer help.
Mandatory basic health insurance only covers complementary-medicine treatment methods to a limited extent. Since 2012, basic insurance has covered five alternative methods of treatment:
Costs are only covered when treatment is provided by recognized doctors with the appropriate training. In addition, the chosen excess is deducted from the payment provided.
Those who are looking to try out other methods have to either pay for them themselves or take out supplementary insurance. Supplementary health insurance from AXA contributes to the costs of complementary-medicine therapies that are not covered by basic insurance. Our supplementary insurance covers 75% of the costs, the “Health ACTIF” option covers a maximum of CHF 1000 per year, and the ”Health COMPLET” option even reimburses up to CHF 3000 per year. You will find all the methods and therapists we recognize in our specific search area.