Best Complementary Insurance for Osteopathy

If you're looking for complementary insurance to cover alternative medicine treatments in Switzerland, you have several options to choose from. Each insurance company offers different coverage levels, deductibles, and monthly costs. Let's take a closer look at each one.

For price comparison, I used the monthly cost they offer to a 25 year old person living in the Vaud region of Switzerland. Keep in mind that the price might be different for you, but at least it gives a standard way to compare them.

I'll first give an overview of each insurance company and then do a clear price comparison for 3 and 10 osteopathy sessions.

Here are the complementary insurance offerings of the most popular Swiss insurances that contain osteopathy:

EGK (EGK-SUN)

With EGK-SUN, you'll pay CHF 16.15 per month and receive 80% coverage for alternative medicine treatments. However, there is an excess of CHF 300 that you'll need to pay out of pocket before coverage kicks in.

Atupri (Mivita Reala)

Atupri's Mivita Reala plan costs CHF 38.50 per month and covers 50% of treatment costs, up to a maximum of CHF 1,500 per year. This is a good option if you anticipate needing a higher level of coverage.

Sanitas (Vital Smart)

Sanitas Vital Smart costs CHF 28.20 per month and provides 80% coverage up to CHF 2,500 per year. To be eligible, treatments must be medically necessary and diagnosed by a physician.

CSS (myFlex Alternative Insurance)

CSS myFlex Alternative Insurance is an affordable option at CHF 16.30 per month. It covers 75% of treatment costs up to CHF 10,000 per year. As a bonus, it also includes coverage for 90% of the cost of prescribed medication, up to CHF 500 per year.

Concordia (NATURA)

Concordia's NATURA plan costs CHF 15 per month and covers 75% of treatment costs up to CHF 1,500 per year. One important thing to note is that you must also have your basic health insurance (Lamal) with Concordia to be eligible for this complementary plan.

Assura (Natura)

Assura Natura is the most affordable option on this list at just CHF 8.75 per month. It covers an impressive 90% of treatment costs for up to 12 sessions per year. For additional sessions, you'll need to check with Assura. There is a CHF 200 excess that you must pay out of pocket.

Helsana (Sana)

Helsana Sana costs CHF 11.25 per month and covers 75% of treatment costs up to CHF 5,000 per year. This high annual limit makes it a good choice for those anticipating more extensive alternative medicine needs.

Swica (Completa Top)

Swica Completa Top costs CHF 21 per month. Rather than a percentage model, it covers CHF 80 per treatment session. You'll need to pay a 10% deductible up to CHF 700.

Groupe Mutuel (Optimum)

Groupe Mutuel's Optimum plan is on the pricier side at CHF 33 per month. It covers 75% of treatment costs up to CHF 3,000 per year.

The formula I used is the following:

• Annual cost of the insurance
• Cost per session discounted by the insurance cover
• Adding the excess when relevant

For baseline comparison, without insurance, you would pay CHF 360 for three sessions:

For baseline comparison, without insurance, you would pay CHF 1200 for ten sessions:

And the winner is Helsana Sana! Cheapest option for 3 sessions, and second cheapest for 10 sessions. This is the option I would recommend and the one I selected after doing my research.

In conclusion, the Swiss insurance system offers a wide range of complementary insurance options for those seeking coverage for alternative medicine treatments like osteopathy. Each insurance company has its own unique offerings, with varying levels of coverage, deductibles, and monthly costs.

When selecting a complementary insurance plan, it's essential to consider factors such as the percentage of treatment costs covered, annual coverage limits, excesses, and eligibility requirements. Some insurers, like Concordia, require you to have your basic health insurance (Lamal) with them to qualify for their complementary plans.

Based on the price comparison for 3 and 10 osteopathy sessions, Helsana Sana emerges as the most cost-effective option overall. It provides 75% coverage for treatment costs up to an annual limit of CHF 5,000, with no excess to pay. Other notable options include CSS myFlex Alternative Insurance and Assura Natura, which offer high annual coverage limits and affordable monthly premiums, respectively.

It's important to remember that while complementary insurance can help reduce out-of-pocket expenses for alternative medicine treatments, it's just one part of the Swiss insurance system. Basic health insurance (Lamal) is mandatory for all residents of Switzerland and covers a wide range of essential medical services.

When shopping for basic health insurance, it's crucial to compare prices and coverage levels from different providers. The Swiss government provides a helpful tool called PrimInfo that allows you to easily compare premiums across various insurers based on your age, region, and desired deductible level.

In summary, the Swiss insurance system offers a comprehensive range of options for both basic and complementary health insurance. By carefully evaluating your individual needs and budget, you can select the plans that provide the best value for your money. Don't forget to review your insurance coverage annually and make adjustments as needed to ensure you're always getting the most out of your healthcare spending.