Medicines are covered by the basic insurance if they have been prescribed by a doctor and are listed on the following lists: List of medicinal products (KLV) and speciality list(link to: http://www.xn--spezialittenliste-yqb.ch/))
All others are not insured from the basic insurance.
Medications that are not subject to payment (i.e. are not paid for by basic insurance) are covered by the following supplementary insurance policies: Classic, Family.
More and more, our clients are tending to consider alternative treatments and therapies for their own health and for the well-being of their families.
Sanitas offers insurance solutions that pay contributions to naturopathic products and therapies.
Since 2017, few benefits in complementary medicine have been included in the basic insurance plan – however, the deductible rate must always be included in the basic insurance plan and treatments are only covered under certain circumstances – supplementary insurance is worthwhile in most cases.
These benefits are paid for by basic insurance: • anthroposophical medicine • Homeopathy • Neural therapy • Phytotherapy • traditional Chinese medicine
However, treatment must be carried out by doctors with a specialist title and complementary medical training, and before benefits are taken over, the deductible rate and excess are deducted – in many situations these benefits are not achieved at all.
For psychotherapy there is a small contribution already from the basic insurance, but it is sometimes advantageous if you also have supplementary insurance for this, since the basic insurance only insurecertains certain therapists.
Products that include alternative medicine and psychotherapy:
Here is a small comparison about the Sanitas products, which include services for alternative medicine:
For basic benefits in the event of an accident, one is covered either by the employer (if employed at least 8 hours per week with the same employer) or by the basic insurance in the health insurance fund.
For particularly good performance and recommended cover supplements, Sanitas offers:
In the event of hospitalisation, basic insurance pays only for general ward in the canton of residence and work. Supplementary insurance is worthwhile in almost all cases: if specialists do not operate in your canton of residence or work, if you want more flexibility and if you prefer treatment by a head doctor or free choice of doctor.
Sanitas offers corresponding products:
Hospital in general, semi-private, private, hospital accident private, semi-private.
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