Cost for natural remedies do not have to apply the statutory health insurance funds. In order to stand out from the competition, pay some anyway. Regional provider stand out.
Natural remedies are very popular. The hook: Because their medical Benefits are not sufficient is evidenced, the statutory health insurance, the costs of the rule. In order to have competitive advantage, to give some providers and pay. The experts of the consumer magazine “Good advice” explain what they are and what to look out for.
Other Fund, other services
Tested 14 different natural healing methods. The bad news: Of the 111 examined health insurance not only takes over the entire power spectrum. 32 funds even offer at all it is not a natural healing process, so the experts of “Good advice”.
Surprisingly: In the case of eleven natural healing process, the Ranking of a regional Fund. Only in the case of the anthroposophic medicine and alternative cancer therapy (including medication) is a nationwide health insurers.
Test winner achieved eight times the full score
The test winner is the Securvita. It is represented in all Federal States – with the exception of the Saarland, Bremen and Brandenburg. Eight out natural healing methods, the Securvita achieved full marks – ten out of ten points. This includes the following procedures:
- Ayurveda
- Chelation therapy
- Self-blood therapy
- Feldenkrais Therapy
- Light therapy
- Reflex zone massage
- Shiatsu
- Traditional Chinese medicine (TCM)
In all procedures, the annual benefit amount is unlimited which means that all the costs are assumed to be 100 percent.
Regional insurers have the nose in front
Among the Top-Five is just a nationwide insurer: Only the techniker Krankenkasse with the regional providers to keep up. In the case of the alternative cancer therapy (incl. Drugs) reaches you as a single payment, the full number of points.
The Top-Five in the Overview:
- Securvita (regional): 102,80 points
- IKK Südwest (regional): 84,15 points
- IKK Brandenburg and Berlin (regional): 80,15 points
- TK (nationwide): 79,00 points
- Bergische health insurance (regional): 77,97 points
Cash exchange worth it
Who relies on natural healing process, may benefit from a change of health insurance. Not only the offer varies depending on the provider. Also, the annual benefit amount differs greatly.
The nationwide represented miners in Ayurveda, Feldenkrais therapy, and Shiatsu and TCM, only 80 percent of the cost and only up to a maximum of 50 euros. Other insurers without a limit to the amount of the benefit.
What to look for when the exchange must pay attention to
Health insurance companies negotiate in the rule with Doctors and health practitioners contracts. This is also true for the assumption of costs for natural therapies. Patients should clarify, therefore, already prior to the treatment with their health insurance, which costs will be assumed under these contracts and which are not.
The example of the osteopathy, the experts of “Good advice” that may be lurking pitfalls of the show: “the Osteopath must be able to demonstrate a particular qualification and membership in a professional Association of osteopaths or, at least, through his training to be eligible, a member of the Union to join.” In addition, the Insured need in this case, a doctor’s prescription.
In addition, the amount of the osteopathy is capped. Who is about insured with Securvita, benefited from a one-hundred-percent assumption of costs, but only up to a maximum of 60 Euro per treatment and up to a maximum of 360 euros per year. It will be more expensive, the Insured must pay on it.