Psychologists refunded

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Psychotherapy and psychologists

We start to understand the importance of psychotherapies and the well being a psychologist can bring.

We estimate that 72% of the patients who followed one feel better than before. One of the main advantages of psychotherapy is that it has long term effects and often avoids relapse.

Psychotherapy can for example give tools to pass through difficult moments in life in a better way, help to adjust negative behaviors towards yourself and others, and help you go through difficult steps or events.   

The benefits of it are well established, but how is it recognized by the insurance companies?

We are going to discover the important issues to acknowledge and how it is reimbursed.

Psychotherapy and psychologists

We start to understand the importance of psychotherapies and the well being a psychologist can bring.

We estimate that 72% of the patients who followed one feel better than before. One of the main advantages of psychotherapy is that it has long term effects and often avoids relapse.

Psychotherapy can for example give tools to pass through difficult moments in life in a better way, help to adjust negative behaviors towards yourself and others, and help you go through difficult steps or events.   

The benefits of it are well established, but how is it recognized by the insurance companies?

We are going to discover the important issues to acknowledge and how it is reimbursed.

Are psychologists reimbursed by the LaMal ?

Contrary to received ideas, it is the case.

Psychologists could be reimbursed by the LaMal with a “bon de délégation” from a psychiatrist. This constraining process imposed a lot of controls that could slow down a therapy and the possibilities for psychologists.

Since the 1st of july 2022, things have changed for the better.

Psychologists can now be reimbursed with a simple medical prescription, and can work in a more relaxed manner with their patients.

There are still rules linked with this change and we are going to go through them.

Are psychologists reimbursed by the LaMal ?

Contrary to received ideas, it is the case.

Psychologists could be reimbursed by the LaMal with a “bon de délégation” from a psychiatrist. This constraining process imposed a lot of controls that could slow down a therapy and the possibilities for psychologists.

Since the 1st of july 2022, things have changed for the better.

Psychologists can now be reimbursed with a simple medical prescription, and can work in a more relaxed manner with their patients.

There are still rules linked with this change and we are going to go through them.

Psychologists since the 1st of July 2022

To improve psychological problems and the way it is reimbursed, the council gave way more freedom to psychologists.

Here are the main rules :

 

  • The treatments given by licensed psychologists are reimbursed by the basic insurance. Caution: it still has to be prescribed by a doctor.

  • A medical prescription allows 15 psychotherapy sessions at the maximum. This can be renewed once, which offers all in all 30 sessions.

  • Beyond these 30 sessions, the psychologist will have to make a report to the insurer to ask its authorization to continue. Now the number is fixed to 40.

  • The costs of the treatments are subject to the deductible. Be careful to adjust it.

Psychologists additional  insurances

Either in a free way or in addition to the LaMal basis reimbursements that can be insufficient, additional insurances can offer interesting refunds.

One of the main advantages to be covered with additional insurance is that the reimbursement is not subject to the LaMal deductible. Indeed, you can keep a high one and still benefit from high reimbursements. It is however important to notice that not all insurances cover the same way.

Psychologists since the 1st of July 2022

To improve psychological problems and the way it is reimbursed, the council gave way more freedom to psychologists.

Here are the main rules :

 

  • The treatments given by licensed psychologists are reimbursed by the basic insurance. Caution: it still has to be prescribed by a doctor. 

  • A medical prescription allows 15 psychotherapy sessions at the maximum. This can be renewed once, which offers all in all 30 sessions. 

  • Beyond these 30 sessions, the psychologist will have to make a report to the insurer to ask its authorization to continue. Now the number is fixed to 40.

  • The costs of the treatments are subject to the deductible. Be careful to adjust it.

Psychologists additional insurances

Either in a free way or in addition to the LaMal basis reimbursements that can be insufficient, additional insurances can offer interesting refunds.

One of the main advantages to be covered with additional insurance is that the reimbursement is not subject to the LaMal deductible. Indeed, you can keep a high one and still benefit from high reimbursements. It is however important to notice that not all insurances cover the same way.

Best additional reimbursement

Every contract gives different levels of reimbursement.

The best we could find refunds 100% up to CHF 4’500.- per year.

What to be careful about ?

It is important to understand that a psychotherapy, even if very useful, will cost a lot to the insurer. Indeed, they will reimburse well, but be very strict to accept new insured.

 

By experience, we noticed that most health insurances will not accept someone who already consulted a psychologist/psychotherapist in the past.

 

Indeed, the subscription has to be made before any session. 

 

It is also the case for any adjustments as seeing a psychologist/psychotherapist will prevent you from getting other additional coverage for years.

 

Companies who do not automatically refuse will at best exclude psychological issues from the coverage. They are few and most companies simply refuse.

Indeed, we recommend you to be advised by one of our specialists.

Best additional reimbursement

Every contract gives different levels of reimbursement.

The best we could find refunds 100% up to CHF 4’500.- per year.

What to be careful about ?

It is important to understand that a psychotherapy, even if very useful, will cost a lot to the insurer. Indeed, they will reimburse well, but be very strict to accept new insured.

By experience, we noticed that most health insurances will not accept someone who already consulted a psychologist/psychotherapist in the past.

Indeed, the subscription has to be made before any session. 

It is also the case for any adjustments as seeing a psychologist/psychotherapist will prevent you from getting other additional coverage for years.

Companies who do not automatically refuse will at best exclude psychological issues from the coverage. They are few and most companies simply refuse.

Indeed, we recommend you to be advised by one of our specialists.

Possible coverage

Additional coverage possible