Alternative medicine in the health insurance comparison
Acupuncture, osteopathy, TCM, homeopathy, phytotherapy and other complementary methods: benefits, limits and recognised therapists vary by provider and plan. We assess your needs and review suitable options.
VVG note: Supplementary insurance is governed by the Swiss Insurance Contract Act (VVG). Benefits, premiums and acceptance conditions vary by provider and plan. Depending on the product, health questions, waiting periods, benefit limits, exclusions or reservations may apply. A policy becomes binding only after review and acceptance by the insurer.
Compare supplementary insurance
Tell us which supplementary insurance you'd like to look into. We'll compare the options that fit and get back to you with the next steps.
To make the comparison worthwhile, we start by capturing your needs and your current situation.
- Free & non-binding
- Insurer-neutral comparison
- Personal consultation
- Data protection under Swiss FADP
- Who forStep 1: Who for
- BenefitsStep 2: Benefits
- SupportStep 3: Support
- ContactStep 4: Contact
Step 1 of 4 · Who for
VVG note: Supplementary insurance is governed by the Swiss Insurance Contract Act (VVG). Depending on the provider and plan, health questions, waiting periods, benefit caps, exclusions or reservations may apply. A service provided by FINWIWO AG.
What matters with this supplementary insurance
Recognised methods
Which methods (e.g. acupuncture, osteopathy, TCM, homeopathy, phytotherapy, bodywork) are covered depends on the plan.
Recognised therapists
Many plans require therapists with recognised qualifications, such as EMR or ASCA. Checking before starting a therapy is worthwhile.
Reimbursement rates and annual limits
The reimbursement share and annual maximum amounts differ by provider and plan.
Natural remedies
Herbal and homeopathic remedies may be partially reimbursed depending on the plan.
What to look out for when reviewing
- Which methods do you need?
Clarify which therapies are specifically relevant for you. Plan lists vary widely.
- Therapist recognition
Check in advance whether your therapist is recognised by the insurer.
- Conditions and waiting periods
Waiting periods, limits and requirements differ by provider and plan.
- Acceptance conditions
Health questions are possible. Acceptance is not guaranteed.
A service by FINWIWO AG · non-tied insurance intermediary · free and non-binding
Frequently asked questions
Does basic insurance cover alternative medicine?
Basic insurance covers certain alternative-medicine benefits when they are provided by physicians with the corresponding further training. Treatments by non-medical therapists are generally not covered by basic insurance and are covered through supplementary insurance.
What are EMR and ASCA?
EMR (ErfahrungsMedizinisches Register) and ASCA (Fondation suisse pour les médecines complémentaires) are quality registers for alternative-medicine therapists. Many supplementary insurers only recognise treatments if the therapist is registered accordingly.
What is typically covered?
Depending on the plan, methods such as acupuncture, osteopathy, TCM, homeopathy, phytotherapy, bodywork or mental methods may be partially reimbursed. Reimbursement rates and annual limits depend on the plan.
Do waiting periods or health questions apply?
Supplementary insurance for alternative medicine is governed by the Swiss Insurance Contract Act (VVG). Waiting periods as well as health questions are possible, depending on provider and plan.
What should I look out for when comparing?
On the covered methods, reimbursement rate, annual limit, recognised therapist registers, as well as the conditions for acceptance. A personal review is worthwhile.
For mandatory basic insurance (KVG), please use our premium calculator. This page concerns supplementary insurance (VVG). A policy becomes binding only after review and acceptance by the insurer.