Alternative medicine: benefits and costs | Sanitas health insurance
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Alternative medicine: costs covered by Sanitas

Alternative medicine

Your basic insurance covers part of the costs of five alternative medical treatments. Supplementary insurance plans cover higher costs and additional alternative and complementary medical treatments.

What is alternative medicine?

Alternative medicine is an alternative to conventional medicine. It works holistically with the body’s own healing powers. But it can also involve invasive treatments (e.g. injections, cupping and acupuncture), medicines and technical equipment. There are four alternative medical specialities:

  • Ayurveda medicine (AVM): traditional art of healing widespread in india, Nepal and Sri Lanka
  • Homoeopathy: gentle treatment with highly diluted substances
  • Traditional Chinese Medicine (TCM): an ancient Chinese healing art
  • Traditional European Medicine (TEN): naturopathic system of medicine that is over 2,000 years old

What is complementary medicine?

Complementary medicine complements conventional medicine. Its therapies and treatments activate and regulate the body’s self-healing powers. Unlike alternative medicine it involves neither invasive nor drug-based treatment. Complementary medicine focuses on body and movement-based methods, breathing and talking.

What costs are covered by basic insurance?

Basic insurance covers the following five methods of treatment. You pay a share of the costs through your deductible and copayment.

  • Acupuncture: therapy using needles from Traditional Chinese Medicine
  • Anthroposophical medicine: holistic complementary medical treatments
  • Medicines prescribed by Traditional Chinese Medicine: medicinal herb therapy
  • Classic homoeopathy: naturopathic healing method based on the similia principle
  • Phytotherapy: using extracts of natural origin as medicines or health-promoting agents

What conditions apply?

Specific conditions must be met for Sanitas to cover the costs of treatment.

  • The treatment must be medically necessary. This is the case when it is undertaken as a result of accident or illness.
  • The treatment must be provided by a doctor (Dr. med.) with a certificate of competence issued by the FMH Swiss Medical Association for the relevant discipline.
  • If you are treated by a doctor without a certificate of competence or by a therapist with alternative or complementary medical training the costs are not covered by basic insurance.

What costs are covered by supplementary insurance?

Supplementary insurance plans cover more or higher benefits than basic insurance. Our supplementary plans for alternative and complementary medicine cover the following costs:

  • Classic: 80%, up to CHF 5,000 per calendar year
  • Family: 80%, up to the maximum amount of the benefit account per calendar year
  • Jump: 80%, up to CHF 1,500 per calendar year

What conditions apply?

Specific conditions must be met for Sanitas to cover the costs of treatment.

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