Psychologist consultation and services


To ensure quick and easy access to psychotherapy for people with mental health issues, since 1 July 2022 psychotherapists have been able to work independently under basic insurance. The law provides for a transitional period up until 31 December 2022 for the system change. After this time, psychotherapy services will only be reimbursed for treatments by therapists with basic insurance authorisation.

Are you unsure whether your therapist is SWICA-approved? SWICA Customer Service will be happy to provide you with information on the freephone number 0800 80 90 80.
Basic insurance covers the cost of psychotherapy services less any relevant deductible and excess.
  • The therapist needs a registration number for billing under basic insurance.
  • The therapy must be prescribed by a doctor.
  • The therapy must meet the criteria of cost-effectiveness, appropriateness and efficacy.

Payment from basic insurance is made if your psychotherapist meets all of the requirements. This includes approval for billing under basic insurance.

Since 1 July 2022, psychotherapy services have primarily been covered by basic insurance. For all psychotherapists who do not yet meet the relevant requirements, there is a transitional period until 31 December 2022 for reimbursement from supplementary insurance plans (COMPLETA TOP/OPTIMA/INFORTUNA).
You do not have the option of choosing the insurance to which it is charged. As soon as the requirements for billing under basic insurance are met, psychotherapy treatment costs are only covered by basic insurance.
If the psychotherapist fulfils the requirements for billing under basic insurance, no further treatment costs may be charged to patients (tariff protection).
From 1 January 2023, services will be exclusively covered by basic insurance, and only for treatments by therapists with basic insurance approval.

Psychological counselling from santé24

SWICA customers receive around the clock medical assistance from santé24 doctors and medical specialists. Are you plagued by worries and fears or are you aware of other psychological symptoms? Do you have a challenging situation in your life or other uncertainties?

Among other things, as part of the santé24 telemedicine service, SWICA offers its customers free psychiatric/psychological counselling from specialists. To arrange an appointment, contact the specialist staff at santé24 on +41 44 404 86 86.