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 60 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 SPV or FSP, or are recognized by Santésuisse. |
Not covered. |
| Assura Complementa Extra |
Max. CHF 1500/year. Only psychotherapists and independent psychologists who are recognized by Santésuisse. |
Not covered. |
| Atupri Intense | 75%, max. CHF 2000/year. | 75%, max. CHF 2000/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/year. Psychologists and other qualified therapists who hold a cantonal license to practice independently, or are members of the SPV, SBAP, or FSP. |
60%, max. CHF 1000/year. Psychologists and other qualified therapists who hold a cantonal license to practice independently, or are members of one of the SPV, SBAP, or FSP. |
| Axa Health Complet |
75%, max. CHF 1000/year. | 75%, max. CHF 500 every 3 years for preventative and health-promoting treatments. Psychologists and other qualified therapists who are members of the SBAP or FSP. |
| Axa Health Plus |
75%, max. CHF 3000/year. | Not covered. |
| CSS MyFlex Balance |
75%, max. CHF 1000/year. Only psychologists included on CSS’s list. |
75%, max. CHF 1000/year. Only psychologists included on CSS’s list. |
| CSS MyFlex Premium |
75%, max. CHF 3000/year. Only psychologists included on CSS’s list. |
75%, max. CHF 3000/year. Only psychologists included on CSS’s list. |
| Einsiedler Krankenkasse Optima |
90%, unlimited. | 50%, max. CHF 1000/year. |
| Groupe Mutuel Premium Supplemental Care Insurance |
90%, max. CHF 1000/year. Only therapists who are members of a recognized association. |
Not covered. |
| Helsana Completa |
75% max. CHF 4500/year. Only psychologists included on Helsana’s list. |
Not covered. |
| Helsana Completa Plus |
100% max. CHF 4500/Jahr. Only psychologists included on Helsana’s list. |
Not covered. |
| Helsana Top |
75% max. CHF 3000/year. Only psychologists included on Helsana’s list. |
Not covered. |
| Klug Completa |
75% max. CHF 4500/year. Only psychologists included on Klug’s list. |
Not covered. |
| Klug Completa Extra |
100% max. CHF 4500/year. Only psychologists included on Klug’s list. |
Not covered. |
| Klug Top |
75% max. CHF 3000/year. Only psychologists included on Klug’s list.
|
Not covered. |
| KPT Pulse Eco Pulse Top Pulse Premium |
75%, max. CHF 1000/year for:
|
|
| Krankenkasse Wädenswil SC 1 |
CHF 1000. | Not covered. |
| Krankenkasse Wädenswil SC 2 |
CHF 1200. | Not covered. |
| Krankenkasse Wädenswil SC 3 |
CHF 1400. | Not covered. |
| Krankenkasse Wädenswil SC 4 |
CHF 2000. | Not covered. |
| ÖKK Start |
50%, max. CHF 1000/year. | Not covered. |
| Sanitas Vital Smart |
80%, max. CHF 1000/year. | 50%, max. CHF 400/year or CHF 600/year for:
|
| Sanitas Vital Premium |
80%, max. CHF 5000/year. | 80%, max. CHF 800/year for:
|
| SLKK Medico Plus Standard |
CHF 50 francs pers session for up to 40 sessions. One-time benefit. |
Not covered. |
| SLKK QualiCare.basis |
75%, max. CHF 2000/year for up to 4 years. |
Not covered. |
| SLKK QualiCare.comfort |
75%, max. CHF 2000/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. CHF 30 per session for up to an additional 30 sessions. |
Not covered. |
| Swica Completa Forte | 90%, max. CHF 50 per session for up to 60 sessions per calendar year. |
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. |
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. |
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/year. | Treatments by Swiss doctors who do not have a contract with the Swiss mandatory health insurance system: 90% of costs. |
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