Complementary medicine and SWICA: more than 100 ways to improve your health
Whether you use conventional or complementary medicine, you know best what's good for your body. We've got your back – even where basic insurance reaches its limits. So you can choose the therapy that works for you, without worrying about the cost.
What does basic insurance cover for complementary medicine?
Basic insurance only covers five recognised therapy methods, provided that you are treated by a doctor.
These are:
- anthroposophic medicine
- acupuncture
- Traditional Chinese Medicine (TCM)
- homeopathy
- phytotherapy
Treatments with independent therapists or other specialists are notcovered by basic insurance.
You are always responsible for paying the excess and the deductible yourself. This means there are significant gaps in your cover. Our supplementary insurance covers these and opens the way to more than 100 other therapy methods.
How to use over 100 recognised therapies for the good of your health
Would you like to use complementary therapies and benefit from attractive contributions? With SWICA supplementary insurance, you can choose from more than 100 recognised complementary medicine therapies.
These include, for example:
- Using classical healing methods: acupuncture, homeopathy, phytotherapy, anthroposophic medicine
- Mobilising and relaxing your body: osteopathy, craniosacral therapy, fascial therapy, massage
- Training movement and feeling more energetic: kinesiology, yoga, tai chi, respiratory therapy
- Relaxing and relieving stress: autogenic training, Feldenkrais, music or art therapy
- Experiencing traditional systems: TCM, Ayurveda, Traditional European Naturopathy
All-round health: your advantages with SWICA
You combine conventional and complementary medicine in a way that suits your body and your life.
Two worlds, one goal: combine conventional and complementary medicine without having to choose between them.
From acupuncture to yoga therapy: you will find certified specialists in your area in our directory of therapists.
Full cover: With Optima, we cover the full costs of outpatient complementary medicine therapies.
The only provider in Switzerland that offsets your costs
Have you already paid an excess or deductible under your basic insurance? We will automatically apply this amount to the costs under your supplementary insurance. As soon as your payments reach the amount of your chosen co-payment, your insurance will kick in – meaning you don’t end up paying twice.
Our expert explains why SWICA supports complementary therapies and how the combination of basic and supplementary insurance works.
Compare the benefits
Get the protection that is exactly right for you. Our supplementary insurance not only complements your basic insurance to include complementary treatment methods, but also covers you for other health-related costs in everyday life and when travelling.
| Benefit | Basic insurance | Completa Top | Completa Forte | Optima (upgrade) | ||||
|---|---|---|---|---|---|---|---|---|
| Complementary medicine | 5 recognised therapy methods – only for specialists with FMH qualifications | Over 100 recognised treatments – up to 80 francs per hour | Over 100 recognised treatments – up to 120 francs per hour | Full cover with SWICA-approved doctors and therapists | ||||
| Medicines | Only medically prescribed preparations from therapists on the specialities list | Preparations prescribed by doctors or therapists recognised by SWICA, or medicines prescribed by a doctor for the indicated condition | Preparations prescribed by doctors or therapists recognised by SWICA, or medicines prescribed by a doctor for the indicated condition | |||||
| Health promotion & prevention | — | — | 90% up to 500 francs per year, max. 300 francs per type of preventive care, according to separate list | Glasses & contact lenses | 180 francs per year (only up to age 18) | 90% up to 200 francs every 3 years | 90% up to 900 francs every 3 years| Additional 90% up to 300 francs every 3 years | |
| Preventive check-ups | Preventive measures within the scope of the Health Insurance Benefits Ordinance; gynaecological preventive care every 3 years | — | — | +90%, unlimited amount, according to separate list | ||||
| Abroad (outpatient) | In case of emergency, the costs, up to max. twice the amount that would be reimbursed for treatment in Switzerland | Full cover for outpatient and inpatient treatment in case of emergency (private hospital class for the first 3 months of travel)Full cover for outpatient and inpatient treatment in case of emergency (private hospital class for the first 3 months of travel) | Full coverfor outpatient treatment worldwide | |||||
How Completa Top or Forte with Optima complement each other
You decide how much cover you want for your own health: With Completa Top, you extend your foundation. Completa Forte offers you even higher benefits and we make additional contributions to your healthcare.
If you opt for Optima in addition, you enjoy maximum freedom: we cover the full costs of approved therapy methods.
Please note: Optima is subject to a excess for complementary medicine benefits, which is applied analogously to the excess for basic insurance. This means that if you have not fully used up your excess from your mandatory basic insurance (KVG) at the time of treatment, you must bear the remaining costs yourself up to the amount of the outstanding excess. Amounts already paid will be taken into account.
The graph shows you at a glance what is possible:
What our customers have to say
Frequently asked questions: complementary medicine and holistic healing with SWICA
Here you will find answers to the most important questions about your insurance cover, specialists and combining conventional and complementary medicine. The emphasis is on what really matters for your health and wellbeing.
