InsuranceSupplementaryReimbursement
Swiss Tariff 595 and Health Insurance
Which Swiss health insurers reimburse Tariff 595 sessions? Overview of the main providers, their supplementary products, and the conditions that must be met for reimbursement.
Basic Insurance vs. Supplementary Insurance
The mandatory Swiss health insurance (LAMal/KVG) does not cover Tariff 595 services. Only voluntary supplementary insurance (LCA/VVG) can reimburse health promotion services.
Conditions for Reimbursement
- The client has an active supplementary module for health promotion
- The type of service is covered by the client's policy
- The provider is certified by an approved body (Qualitop/Qualicert)
- The provider's certification is recognised by the client's insurer
- The client's annual benefit cap has not been reached
Major Swiss Health Insurers
| Insurer | Product / Module | Note |
|---|---|---|
| CSS | MyFlex, Complementary | Qualitop/Qualicert recognised |
| Helsana | COMPLETA, SANA | Qualitop/Qualicert recognised |
| Sanitas | Classic, Family | Qualitop/Qualicert recognised |
| Concordia | NATURA | Qualitop/Qualicert recognised |
| Visana | Supplementary | Qualitop/Qualicert recognised |
| SWICA | COMPLETA FORTE | Broad coverage |
| Groupe Mutuel | OPTIMA | Qualitop/Qualicert subject to contract |
| Assura | Supplementary | Limited coverage |
Indicative data. Conditions may change. Clients should verify with their insurer.
What to Advise Your Clients
- Do they have an active supplementary module for health promotion / health promotion?
- Which type of services and registries are covered?
- What is the annual cap, and how much has already been used?
- Is there a waiting period for newly activated policies?
Correct Invoicing Is the Key
Even with good insurance coverage, an incorrectly formatted invoice leads to rejection. Use easy595.ch to generate fully compliant Tariff 595 invoices every time.
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