Health insurance companies´ alternative solutions for coverage of the 5 methods of treatment that are no longer covered by basic insurance

  • Valid as of 1 July 2005 for the 15 largest health insurance companies
  • 5 treatments in question: Anthroposophic medicine, homeopathy, neural therapy, phytotherapy and traditional chinese medicine.
  • * Product package: These insurance products include further benefits in addition to the 5 named treatment methods. For example, spectacles, treatment at a health resort, dental treatment, health promotion, etc.

  Health insurance company
Product name		 Coverage for the 5 above mentioned treatments Conditions of admission for existing customers Cost (including accident coverage) per month:
(Children up to 18 years of age)		 Remarks
Assura
Medna 		100%, deductible rate CHF 200.
Alternative medication 80%, max. CHF 2,000 per annum		 Without limitation on state of health and age for existing policyholders with basic insurance Adults:
CHF 6
Children:CHF 3		 Assura policyholders are expected to receive Medna free of charge until the end of 2005 (unless the Federal Office of Private Insurance FOPI decides to the contrary).
Atupri
Diversa		 50%, max. CHF 1,000 per annum more "generous" evaluation of risk and age Adults:
CHF 5.40 – 9
Children:CHF 3.20		 Product package with additional benefits*
Concordia
Natura		 75 %, max. CHF 4,000 per annum Admission without health evaluation and age limit: Coverage for the 5 methods of treatment by FMH doctors at the "Natura" price; Price with health evaluation and age limit: normal Natura product (product package) Adults:
CHF 7 – 15
Children:CHF 2 – 5.50		 Product package with additional benefits*
Treatment with the 5 methods concerned which commenced prior to 1 July 2005 will be covered by basic insurance up to 30 September 2005.
CSS
Alternative insurance		 80%, max. CHF 10,000, deductible rate: CHF 300, 20% retention Without health evaluation and age limit for existing basic health insurance customers. Offer valid until the end of September 2005. Adults:
CHF 6 – 16
Children:CHF 4		 Product packages with additional benefits*
Free of charge for children, provided one parent has basic and supplementary insurance from CSS.
Groupe Mutuel
Alterna		 80 %, for alternative medication max. CHF 2,000 per annum Without health and age limit Adults:
CHF 6
Children:CHF 3
(if supplementary insurance is already with Groupe Mutuel: 50% discount)		 – –
Helsana / Progrès
Presana		 90% Without health and age limit until 31 December 2005 Adults:
CHF 3 – 5
Children:CHF 1		 Ongoing treatment will be covered by basic insurance until the end of September 2005.
Intras
Uno+ / Due+		 90%, Uno+: max. CHF 1,000 per annum Due+: max. CHF 2,000 per annum Health evaluation and age limit of 50 years still apply Adults Uno+:
CHF 19 – 43
Adults Due+:CHF 30 – 69
Children:Uno+:CHF 16 – 17
Children Due+: CHF 17 – 22 		Product package with additional benefits*
KPT/CPT
Natura I		 90 %, only if prescribed by a doctor, max CHF 3,000 per annum Without health and age limit Adults:
CHF 8 – 35.90
Children:CHF 5.90		 Product package with additional benefits*
Treatment which commenced prior to 1 July 2005 will be covered by basic insurance until 30 September 2005.
ÖKK
In all outpatient supplementary insurance products		 General: max. CHF 70 per session up to max. CHF 3,000 per annum for alternative medical treatment.
Private: max. CHF 100 per session and max. CHF 6,000 per annum for alternative medical treatment.		 Seeking a solution for existing basic insurance customers. Adults general:
CHF 9.80 – 36.30
Adults private:CHF 13.60 – 46.20
Children general:CHF 2.80 – 4.40
Children private:CHF 3.90 – 5.60		 Product package with additional benefits*
Treatment which commenced prior to 1 July 2005 will be covered by basic insurance until 30 September 2005.
Philos
Module A + B		 Module A: 50 %
Module B: 75 %		 Health evaluation and age limit Adults module A:
CHF 20 – 40
Adults module B:CHF 23 – 43
Children module A:CHF 19
Children module B:CHF 22		 Product package with additional benefits*
Sanitas
Jump, Classic and Family		 Jump: 80%, max. CHF 1,500 per annum
Classic: 80%, max. CHF 5,000 per annum
Family: 80%, the maximum is either CHF 10,000, 25,000 or 50,000. (depending on benefits account)		 If existing customers conclude a new contract, there will be a simplified health evaluation. Jump (only 19 – 35 years):
CHF 8.70 – 14.80
Adults Classic:CHF 12.20 – 61
Children Classic:CHF 8.60
Family: CHF 9.10 – 77.80
Please note: Admission age tariff, i.e. existing customers remain at a low tariff age		 Product package with additional benefits*
Swica
Completa Top		 90%, depending on the qualifications of the therapist/doctor between CHF 60 – 125; per hour All existing basic health insurance customers can join without risk evaluation or age limit up to 30 September 2005 Adults:
CHF 19.30
Children:CHF 5.80		 Product package with additional benefits*
Visana
Complementary I		 90%, max. CHF 1,000 per annum, only if prescribed by a doctor Without health evaluation and age limit for existing basic health insurance customers. Offer valid until 30 September 2005. Adults:
CHF 1.50 – 4
Children:CHF 1		 Product package with additional benefits*
Family discount: The 2nd and each further child will be granted a discount of 50% up to the age of 18. The parents do not have to be insured by Visana.
Wincare
Natura Comfort		 75%, max. CHF 6,000 only if treatment is carried out by a doctor or natural health practitioner affiliated with NVS–A Without health evaluation and age limit for existing basic insurance customers. Offer valid until the end of December 2005. Adults:
CHF 10 – 18
Children:CHF 4		 Product package with additional benefits*
Treatment which commenced prior to 1 July will be covered by basic insurance until the end of the year.

Status: 5 July 2005
Source comparis.ch

 

Important tip: This table provides you with an overview of the individual health insurance companies' alternative solutions for coverage of the 5 treatment methods that are no longer covered by basic health insurance. 3 of the 15 health insurers (Assura, Groupe Mutuel and the Helsana group) offer products that solely cover the above mentioned methods of treatment. All other companies offer package solutions which cover additional benefits as a supplement to the 5 treatment methods. For example spectacles, treatment in a health resort, dental treatment, health promotion, etc.

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