Does Swiss health insurance cover psychiatric treatments and psychologists? Get informed in this moneyland.ch guide.
Swiss mandatory health insurance covers a large part of the costs of psychiatric therapies in Switzerland.
What does the mandatory Swiss health insurance cover?
Treatment by psychiatrists who hold a license to practice in Switzerland and accept mandatory health insurance. When more than 40 sessions are necessary, your psychiatrist must send a report to your health insurance provider's medical assessor. The medical assessor will examine the case and send a proposal for further sessions to your health insurance provider.
Therapies by psychologists with a license to practice in Switzerland, if the therapy is prescribed by a Swiss-licensed medical doctor. General internists, paediatricians, psychiatrists, and child and adolescent psychiatrists with a recognized title (FMH) can prescribe up to 30 sessions with a psychologist. The same applies to doctors with the recognized interdisciplinary title for psychosomatic and psychosocial medicine (SAPPM).
When more than 30 sessions are necessary, your psychiatrist must send a report to your health insurance provider's medical assessor. The medical assessor will examine the case and send a proposal for further sessions to your health insurance provider.
All other doctors can prescribe up to 10 sessions.
What is not covered by mandatory health insurance?
Therapies by psychologists are not covered by compulsory health insurance if they are not prescribed by a medical doctor.
Your health insurance deductible and coinsurance also apply to psychological therapies and psychiatric treatments.
Psychiatric treatments outside of Switzerland are only covered in the case of medical emergencies, within the limitations for health insurance coverage outside of Switzerland.
What does supplemental health insurance cover?
Some voluntary, complementary health insurance offers also cover psychotherapy. This complements the coverage you get from mandatory health insurance.
Most offers limit coverage to treatment by psychologists who are members of certain psychology associations or are licensed to practice in your canton. The criteria vary from one insurance provider to another.
Psychological therapies for personality development, self-discovery, and self-improvement are generally excluded from insurance cover.
Supplemental health insurance offers that cover psychotherapy
| Insurance | Psychological therapies that are not covered by mandatory health insurance |
| Agrisano Agri-spezial |
CHF 50 per session for up to 20 sessions per calendar year. Only psychologists included on Agrisano’s list. |
| Aquilana Krankenpflege Plus |
CHF 60 per session for up to 30 sessions per calendar year. Only psychologists who are members of the ASP or FSP. |
| Assura Complementa Extra |
Max. CHF 1500 per calendar year. Only psychotherapists and independent psychologists who are recognized by Prio.Swiss. |
| Atupri Intense |
75%, max. CHF 2000 per calendar year. Psychologists and other qualified therapists who hold a cantonal license to practice independently, or are members of the SPV, SBAP, or FSP. |
| Atupri Mivita Reala |
60%, max. CHF 1000 per calendar year. Psychologists and other qualified therapists who hold a cantonal license to practice independently, or are members of the SPV, SBAP, or FSP. |
| Axa Health Complet |
75%, max. CHF 3000 per calendar year. Only psychologists included on Axa’s list. |
| Axa Health Plus |
75%, max. CHF 1000 per calendar year. |
| Concordia Diversa |
75%, max. CHF 2000 per 3 calendar years. Only psychologists and psychotherapists who are members of the ASP or are recognized by Prio.Swiss. |
| Concordia Diversa Care |
75%, max. CHF 2000 per 3 calendar years. Only psychologists and psychotherapists who are members of the ASP or are recognized by Prio.Swiss. |
| Concordia Diversa Plus |
75%, max. CHF 3000 per 3 calendar years. Only psychologists and psychotherapists who are members of the ASP or are recognized by Prio.Swiss. |
| Concordia Diversa Premium |
75%, max. CHF 3000 per 3 calendar years. Only psychologists and psychotherapists who are members of the ASP or are recognized by Prio.Swiss. |
| CSS MyFlex Balance |
75%, max. CHF 1000 per calendar year. Only psychologists included on CSS’s list. |
| CSS MyFlex Premium |
75%, max. CHF 3000 per calendar year. Only psychologists included on CSS’s list. |
| Curaulta Allgemeiner Zusatz / Surselva Cumpletta |
Up to 25 sessions per calendar year. 50%, max. CHF 60 per session. Psychologists who hold a cantonal license to practice independently. |
| EGK Sun |
80%, max. CHF 1080 per calendar year. Independent psychologists that are listed in the register of non-doctor psychotherapists for health insurance providers |
| Einsiedler Krankenkasse Optima |
95%, max. CHF 1000 per calendar year. Psychologists who hold a cantonal license to practice independently. |
| Einsiedler Krankenkasse Premium |
95%, max. CHF 1000 per calendar year. Psychologists who hold a cantonal license to practice independently. |
| Galenos Maxica I |
75%, max. CHF 30 per hour, max. 70 hours per 3 calendar years. |
| Galenos Maxica II |
75%, max. CHF 60 per hour, max. 70 hours per 3 calendar years. |
| Galenos Maxica III |
75%, max. CHF 90 per hour, max. 70 hours per 3 calendar years. |
| Groupe Mutuel Premium |
90%, max. CHF 1000 per calendar year. Only therapists who are members of the ASP, FSP, or SBAP. |
| Helsana Completa |
75% max. CHF 4500 per calendar year. Only psychologists included on Helsana’s list. |
| Helsana Primeo |
90% max. CHF 5000 per calendar year. Only psychologists included on Helsana’s list. |
| Helsana Top |
75% max. CHF 3000 per calendar year. Only psychologists included on Helsana’s list. |
| Innova Plus drei |
75%, max. CHF 300 per calendar year for online mental health coaching. Max. 3 sessions per calendar year. |
| KPT Pulse Eco Pulse Top Pulse Premium |
75%, max. CHF 1000 per calendar year for online psychological consultation. Only online service providers on the KPT list. |
| Krankenkasse Luzerner Hinterland Krankenpflege-Zusatz |
CHF 60 per hour for the first 40 hours. CHF 50 per hour after that. |
| Krankenkasse Steffisburg Vario |
CHF 60 per hour for up to 50 hours, then CHF 50 per hour for up to 50 hours. |
| Krankenkasse Steffisburg Vario Plus |
CHF 60 per hour for up to 60 hours, then CHF 50 per hour for up to 60 hours. |
| Krankenkasse Wädenswil SC 1 |
Up to CHF 1000. Psychotherapists who hold a cantonal license to practice independently. |
| Krankenkasse Wädenswil SC 2 |
Up to CHF 1200. Psychotherapists who hold a cantonal license to practice independently. |
| Krankenkasse Wädenswil SC 3 |
Up to CHF 1400. Psychotherapists who hold a cantonal license to practice independently. |
| Krankenkasse Wädenswil SC 4 |
Up to CHF 2000. Psychotherapists who hold a cantonal license to practice independently. |
| ÖKK Start |
50%, max. CHF 1000 per calendar year. Psychotherapists who hold a cantonal license to practice independently. |
| Rhenusana Silber |
75%, max. CHF 1500 per year. Only therapists listed in the PsyReg register. |
| Rhenusana Gold |
75%, max. CHF 3000 per year. Only therapists listed in the PsyReg register. |
| Rhenusana Platin |
75%, max. CHF 5000 per year. Only therapists listed in the PsyReg register. |
| Sanitas Vital Smart |
80%, max. CHF 1000 per calendar year. |
| Sanitas Vital Premium |
80%, max. CHF 5000 per calendar year. |
| SLKK MedicoPlus Standard |
CHF 50 per hour for up to 40 hours (one-time benefit). |
| SLKK QualiCare.basis |
75%, max. CHF 2000 per calendar year for up to 4 years. |
| SLKK QualiCare.comfort |
75%, max. CHF 2000 per calendar year for up to 4 years. |
| Sodalis Sana |
CHF 40 per session for up to 20 sessions per calendar year. |
| Sodalis Sana Plus |
CHF 60 per session for up to 20 sessions per calendar year. |
| Sumiswalder Krankenpflege-Zusatz |
CHF 50 per session for up to 30 sessions (one-time benefit). CHF 30 per session for up to an additional 30 sessions (one-time benefit). |
| Swica Completa Forte |
90%, max. CHF 50 per session for up to 60 sessions per calendar year. Only psychologists included on Swica's list. |
| Swica Completa Top |
90%, max. CHF 50 per session for up to 60 sessions per calendar year. Only psychologists included on Swica's list. |
| Swica Optima (optional insurance rider for Completa Forte or Top) |
Additional CHF 25 per session for up to 60 sessions per calendar year. Only psychologists included on Swica's list. |
| Sympany Plus |
50%, max. CHF 1000 per calendar year. Psychologists and other qualified therapists who hold a cantonal license to practice independently. |
| Sympany Premium |
50%, max. CHF 2000 per calendar year. Psychologists and other qualified therapists who hold a cantonal license to practice independently. |
| Visana Ambulant III |
80%, max. CHF 5000 per calendar year. Psychologists and other qualified therapists who hold a cantonal license to practice independently. |
| Visana Ambulant IV |
90%, max. CHF 5000 per calendar year. Psychologists and other qualified therapists who hold a cantonal license to practice independently. |
| Vita Surselva Allgemeiner Zusatz / Cumpletta |
50%, max. CHF 60 per session, for up to 25 sessions per calendar year. |
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