The exchange is worth it: What is the health insurance pay the most for natural remedies

The exchange is worth it: What is the health insurance pay the most for natural remedies

20/05/2019

Cost of naturopathic or homeopathic medicines do not have to take 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 Use is not enough is covered, apply 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 is headed. Only in the case of the anthroposophic medicine and alternative cancer therapy (including medication) is a nationwide health insurer to square one.

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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:

Homeopathic Remedies

Two insurers to pay, homeopathic medicines, without limitation:

In homeopathy, are the ghosts again and again: it Is an effective medicine and is based on your success solely on the Placebo effect? The dispute is a religious war. On the one hand-oriented physician, the only methods are to be used, the success of measurement are scientifically and verifiably is. On the other hand, representatives of the homeopathy references to many observable therapeutic success to patients and a large following.

Homeopathy is not a recognised science. Rational method will not be explained, which sets up recognition of diluted active ingredients, the essence of a person in the choice and terms are used that do not occur in the school of medicine. Nevertheless, classically trained Physicians of the many patients popular homeopathy is becoming increasingly open. Around 7000 of them have a homeopathic training.

Because the fact is: Many people swear by the use of Pessaries. The majority of Germans seems to be convinced that to you in homeopathic treatments to help, such as a study by the Bertelsmann Foundation and Barmer GEK showed. Of the nearly 7,000 respondents, more than 80 percent said that they have improved it a homeopathic treatment. Other research shows that every second German has used medicine balls.

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.

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The nationwide represented miners in Ayurveda, Feldenkrais therapy, 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.

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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.