In Switzerland, insurance coverage for physiotherapy treatment depends on the type of insurance taken out and the patient’s specific circumstances. Here are the key points to know:
1. Basic health insurance (LAMal): Compulsory health insurance (LAMal) covers physiotherapy treatments prescribed by a doctor. These treatments must be carried out by a certified physiotherapist. Coverage generally includes a defined number of sessions, after which a reassessment by the doctor is required to obtain a possible extension.
2. Deductible and co-payment: Costs are subject to the insured’s annual deductible, as well as a 10% co-payment, which means that the insured pays part of the costs up to an annual maximum.
3. Supplementary insurance: Supplementary insurance does not cover physiotherapy sessions. However, it may reimburse alternative therapies such as osteopathy, acupuncture, etc.
4. Special cases: In the case of accidents, physiotherapy treatment is generally covered by accident insurance, provided the accident has been reported and the treatment has been prescribed by a doctor.
It is always advisable to consult your doctor and your insurance company to find out about the specifics of your coverage and the steps you need to take to benefit from physiotherapy treatments.
