This week I received the invoice for a very expensive mistake :-/ I have a slight scolios and although I was not in real pain, I felt that it was starting to ‘stiffen’ up a little. So off I gaily went to the Chiropracter thinking that a little manipulation and exercise would loosen it off. It certainly loosened my purse strings!
Believing that my limited knowledge of the Swiss health system was correct, and my misguided thinking that there was very little difference between a Chiropracter and an Osteopath, I did not ask the REALLY important question: Is this covered under compulsory or complementary insurance? Of course, it turns out is is covered under compulsory!
What this means is if you have a very high franchise of CHF2,500, like mine which you never reach, try to go for complementary covered services as you can be reimbursed 80%. It turns out that Chiropracters and Physiotherapists are considered as doctors and so they are covered under compulsory and if you don’t reach your franchise, you pay 100%.
Moral of the story, ask before arranging treatment or look for advice on MedTip