Just a health insurance question I always had: due to some complicated personal issues, I am considering going full on on psychotherapy or trauma related therapies, such as EMDR and Neurofeedback: if i chose my deductible for 300chf per year (lowest one) and switch to free choice of doctor, can i basically try every psychiatrist and therapies such as EMDR or Neurofeedback, basically for free (besides the 300chf deductible + 700chf excess + the monthly premiums which of course be more expensive)?
Free choice of doctor mainly means you don’t need to go to specific doctor. So for example if you like some specific Neurologist, you can just go there.
But any therapy still needs to be prescribed by a doctor and every insurance has some conditions on what is covered and what is not. So don’t assume just because you can go to any doctor , this means you can have as many sessions as you want. They are not same things
It’s always good to check with provider. For Sanitas here is the link mentioning what they cover. LINK
Thanks @Abs_max. I am still a but confused. Imagine I pick the health insurance mentioned above with free choice of doctor and 300chf deductible and go to this clinic with legit psycotherapists: Cost & Options - DYNAMICBRAIN
The clinic offers this therapy as well
30 Training Sessions
(1H/45Min)
4000 CHF/3200 CHF).
Can the psycotherapist from the clinic after assessment, prescribe its own clinic therapy? Could my own health insurance refuse to pay and comparticipate the costs?
As far as I understand, basic insurance may take up to 40 sessions with a psychiatrist (special conditions may apply, I haven’t checked the actual law/ordinances).
Healthcare provided by a psychotherapist would require a doctor’s prescription.
This is a field where a complementary insurance may be the better tool towards your needs (or not, there again, I haven’t really dug on the topic).
As mentioned, free choice of doctor does not liberate you from the need to have specialist treatment prescribed (typically by a GP). For this reason, if you don’t require your GP to be good at their actual job, it may be worth finding one who is good at signing what you want.
As to the 40 session limit, I suspect it is easier to beat if you find a therapist who is also a psychiatrist, and the treatment is construed as or just appears to be psychiatric care and not psychotherapy. But of course first and foremost find one who is helping. All the best
Actually I dont know if Psychotherapist themselves can recommend a treatment. But maybe some clinics are allowed to do so.
However even if they proscribe the treatment; the conditions of health insurance need to be reviewed
If Health insurance doesn’t approve this clinics prescription then it could be an issue. So it’s best to check with them.
But I don’t think you need to go through these loops. With your current insurance plan, is the current GP not supporting your prescription? Or referring you to a specialist?
The standard model for mandatory health insurance allows you to visit any medical doctor licensed to practice in Switzerland, without limitations.
The 300-franc deductible means that you will pay 300 francs plus the 10 percent coinsurance (maximum 700 francs per year) out of your own pocket. So a maximum of 1000 francs out-of-pocket.
The key word in your question is “psychiatrist” (a licensed medical doctor). You can visit any psychiatrist licensed to practice in Switzerland.
Therapies performed by a psychologist (not a medical doctor) are only covered if they are prescribed by a psychiatrist (medical doctor). The same holds true for most other covered therapies.
AFAIK neurofeedback is considered an alternative/complementary therapy and is not covered by basic health insurance. It is covered by some supplemental health insurance offers (you can find them here under biofeedback), but that isn’t really relevant to your question.
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