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?
What is not covered by mandatory health insurance?
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 | Doctor-prescribed psychological therapies |
Other psychological therapies |
| Agrisano Agri-spezial |
CHF 50 per session for up to 20 sessions per calendar year. Only psychologists included on Agrisano’s list. |
Not covered. |
| 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. |
Not covered. |
| Assura Complementa Extra |
Max. CHF 1500 per calendar year. Only psychotherapists and independent psychologists who are recognized by Santésuisse. |
Not covered. |
| 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. |
75%, max. CHF 2000 per calendar year. Only psychologists included on Atupri’s list. Therapies by online psychology service Aepsy are covered without a doctor’s prescription. |
| 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. |
Not covered. |
| Axa Health Complet |
75%, max. CHF 3000 per calendar year. Only psychologists included on Axa’s list. |
75%, max. CHF 500 every 3 years for preventative and health-promoting treatments. Only psychologists who are members of Aepsy, FSP, or SBAP. |
| Axa Health Plus |
75%, max. CHF 1000 per calendar year. | Not covered. |
| CSS MyFlex Balance |
75%, max. CHF 1000 per calendar year. Only psychologists included on CSS’s list. |
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. |
75%, max. CHF 3000 per calendar year. Only psychologists included on CSS’s list. |
| Concordia Diversa |
75%, max. CHF 2000 per 3 calendar years. Only psychologists and psychotherapists who are members of the ASP or are recognized by Santésuisse. |
75%, max. CHF 2000 per 3 calendar years. Only psychologists and psychotherapists who are members of the ASP or are recognized by Santésuisse. |
| 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 Santésuisse. |
75%, max. CHF 2000 per 3 calendar years. Only psychologists and psychotherapists who are members of the ASP or are recognized by Santésuisse. |
| 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 Santésuisse. |
75%, max. CHF 3000 per 3 calendar years. Only psychologists and psychotherapists who are members of the ASP or are recognized by Santésuisse. |
| 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 Santésuisse. |
75%, max. CHF 3000 per 3 calendar years. Only psychologists and psychotherapists who are members of the ASP or are recognized by Santésuisse. |
| Einsiedler Krankenkasse Optima |
95%, max. CHF 1000 per calendar year. Psychologists who hold a cantonal license to practice independently. |
50%, max. CHF 1000 per calendar year. Psychologists who hold a cantonal license to practice independently. |
| Groupe Mutuel Premium |
90%, max. CHF 1000 per calendar year. Only therapists who are members of associations recognized by Groupe Mutuel. |
90%, max. CHF 1000 per calendar year. Only therapists who are members of associations recognized by Groupe Mutuel. |
| Helsana Completa |
75% max. CHF 4500 per calendar year. Only psychologists included on Helsana’s list. |
Not covered. |
| Helsana Primeo |
90% max. CHF 5000 per calendar year. Only psychologists included on Helsana’s list. |
Not covered. |
| Helsana Top |
75% max. CHF 3000 per calendar year. Only psychologists included on Helsana’s list. |
Not covered. |
| KPT Pulse Eco Pulse Top Pulse Premium |
Not covered. | 75%, max. CHF 1000/year for:
|
| Krankenkasse Wädenswil SC 1 |
Up to CHF 1000. Psychotherapists who hold a cantonal license to practice independently. |
Not covered. |
| Krankenkasse Wädenswil SC 2 |
Up to CHF 1200. Psychotherapists who hold a cantonal license to practice independently. |
Not covered. |
| Krankenkasse Wädenswil SC 3 |
Up to CHF 1400. Psychotherapists who hold a cantonal license to practice independently. |
Not covered. |
| Krankenkasse Wädenswil SC 4 |
Up to CHF 2000. Psychotherapists who hold a cantonal license to practice independently. |
Not covered. |
| ÖKK Start |
50%, max. CHF 1000 per calendar year. Psychotherapists who hold a cantonal license to practice independently. |
50%, max. CHF 1000 per calendar year. Psychotherapists who hold a cantonal license to practice independently. |
| Sanitas Vital Smart |
80%, max. CHF 1000 per calendar year. | 50%, max. CHF 400 per calendar year or CHF 600 per calendar year for:
|
| Sanitas Vital Premium |
80%, max. CHF 5000 per calendar year. | 80%, max. CHF 800 per calendar year for:
|
| SLKK MedicoPlus Standard |
CHF 50 per hour for up to 40 hours (one-time benefit). |
Not covered. |
| SLKK QualiCare.basis |
75%, max. CHF 2000 per calendar year for up to 4 years. |
Not covered. |
| SLKK QualiCare.comfort |
75%, max. CHF 2000 per calendar year for up to 4 years. |
Not covered. |
| Sodalis Sana | CHF 40 per session for up to 20 sessions per calendar year. |
Not covered. |
| Sodalis Sana Plus | CHF 60 per session for up to 20 sessions per calendar year. |
Not covered. |
| 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). |
Not covered. |
| Swica Completa Forte | 90%, max. CHF 50 per session for up to 60 sessions per calendar year. Only psychologists included on Swica's list. |
Santé24 offers a remote psychologist session with a qualified person as part of its telemedicine service. |
| Swica Completa Top | 90%, max. CHF 50 per session for up to 60 sessions per calendar year. Only psychologists included on Swica's list. |
Santé24 offers a remote psychologist session with a qualified person as part of its telemedicine service. |
| Swica Optima (optional insurance rider for Forte or Completa Top) |
Additional CHF 25 per session for up to 60 sessions per calendar year. Only psychologists included on Swica's list. |
Santé24 offers a remote psychologist session with a qualified person as part of its telemedicine service. |
| Sympany Plus | 50%, max. CHF 1000 per calendar year. Psychologists and other qualified therapists who hold a cantonal license to practice independently. |
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. |
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. |
Treatments by Swiss doctors who do not have a contract with the Swiss mandatory health insurance system: 90% of costs. |
More on this topic:
Find the best Swiss mandatory health insurance now
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