From April 2026, Groupe Mutuel will make changes to its reimbursement policy for alternative medicine therapies, with a clear goal: to further improve the quality of treatment for customers and to limit premium increases.
Why a change?
Alternative medicine encompasses a wide range of fields and training requirements. Some therapists undergo a short basic training course, while others go on to obtain professional certificates, federal diplomas, or even master's degrees.
From now on, these differences will be taken into account when reimbursing benefits.
This approach will make it possible to:
Find out at a glance everything you need to know about the new pricing regulations for reimbursing alternative and complementary therapies. Read more about the changes, their impact, as well as best practices to ensure that your invoicing complies with the new regulations.
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Find the therapy that best suits your circumstances (massage, osteopathy, kinesiology, etc.) based on the recommendations of your therapist or doctor.
Make sure your therapist is recognised by Groupe Mutuel and check their level of training. The level of training will determine the amount reimbursed under the new pricing structure.
Find a recognised therapist
Attend your sessions and pay the therapist directly, as is standard practice in alternative medicine.
Send your invoices, certificates, or other supporting documents to Groupe Mutuel to receive your refund quickly.
Send an invoice for reimbursementEach service is reimbursed up to a maximum limit, per five-minute slot and according to two levels of training (basic level and advanced level).
* Only tariff position 1217 is affected.
These two examples will help you understand how refunds are calculated.
Roméo consulted a licensed therapist for a 60-minute massage session. The therapist has a basic level qualification, which sets the maximum applicable rate. The bill amounts to CHF 150, but the new pricing structure sets a maximum rate of CHF 10 per five minutes for a maximum duration of 60 minutes.
Calculation of reimbursement:
The reimbursement is based on a rate of CHF 10 per five minutes, or CHF 120 for 60 minutes. Roméo’s supplemental insurance covers 75% of this amount, which represents a reimbursement of CHF 90.
Therefore, he must pay:
CHF 60 is the total amount Roméo will have to pay for this session.
Selina consulted a licensed therapist for a 50-minute osteopathy session. The therapist has an advanced level qualification, which sets the maximum applicable rate. The bill amounts to CHF 160, but the new pricing structure specifies that a maximum duration of 45 minutes can be reimbursed.
Calculation of reimbursement:
The reimbursement is based on a rate of CHF 16 per five minutes, or CHF 144 for 45 minutes. Selina’s supplemental insurance covers 80% of this amount, which represents a reimbursement of CHF 115.20.
Therefore, she must pay:
CHF 44.80 is the total amount Selina will have to pay for this session.
Use our search tool to find an alternative medicine therapist recognised by Groupe Mutuel.
SearchDo you wish to use natural medicine treatment methods? Discover our supplemental insurance plans that cover therapies administered by therapists and doctors.
Insurance that offers you support and convenience for a lifetime. With a wide range of benefits covered such as alternative medicine, medication, various preventative measures and sports as well as innovative benefits - for the whole family.
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Benefit from comprehensive and generous coverage for outpatient treatment and prevention measures, such as alternative medicine, medicines, fitness and dental care, as well as new benefits for your everyday expenses (sports club/annual ski or swimming pool membership, contraception)
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Supplemental insurance that combines coverage for hospitalisation and medical care, including alternative medicine
Read moreTo be covered, alternative medicine benefits must:
No medical justification is required for up to five massage sessions and up to eight alternative medicine sessions per calendar year for the same therapeutic discipline. However, if the number is exceeded, Groupe Mutuel reserves the right to limit reimbursement or to ask the insured person for a therapeutic or medical report.
Treatments for preventive purposes or to improve well-being are not covered by supplemental insurance.
Please use our search tool to check whether the therapist and treatment are recognised by Groupe Mutuel and that your supplemental insurance is intended for this purpose.
Basic insurance (AOS/OKP) covers the costs of medical care for acupuncture, anthroposophic medicine, traditional Chinese medicine, classical homeopathy and phytotherapy. These treatments must be carried out by an FMH-accredited specialist in general medicine with a recognised certificate for the relevant therapy.
For alternative medicine treatments covered by supplemental insurance, you don’t need a medical prescription. However, if you intend to make greater use of the treatments, you may need to justify the therapeutic purpose with medical evidence in the form of a medical report.
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