Health insurance companies that reimburse CAM treatments

Insurance companies in Europe:

SWITZERLAND

The following therapies are reimbursed by the compulsory federal health insurance: homeopathy, anthroposophic medicine, herbal medicine, traditional Chinese medicine and acupuncture. Some insurance companies also reimburse many other CAM methods, including bioenergy therapy (Reiki) as part of their supplemental health insurance.
www.cam-europe.eu/news2.php?id=161967201459

GROUPE MUTUEL
groupemutuel.ch/content/gm/en/accueil/privees/vos_attentes/medecine_douce.html

List of covered CAM methods (46 methods, including Reiki, a bioenergy therapy):
groupemutuel.ch/content/dam/gm/docs/en/products/health/terms_and_conditions/global/conditions_Particulieres_global_en.pdf

Insurance offers: GLOBAL 1, 2, 3, 4, BONUS
groupemutuel.ch/content/gm/en/accueil/privees/nos_produits/assurance_maladie_complementaires/global.html
www.fonctionpublique.ch/content/gm/en/accueil/privees/nos_produits/assurance_maladie_complementaires/bonus.html

HELSANA
Helsana cooperates with a large network consisting of more than 14,000 recognized CAM therapists.
www.helsana.ch/en/blog/complementary-medicine

List of covered CAM methods (72 methods):
www.helsana.ch/docs/therapeutic-methods-in-complementary-medicine.pdf

Insurance offers: SANA, COMPLETA
www.helsana.ch/en/individuals/insurance/supplementary-insurance/outpatient/sana
www.helsana.ch/en/individuals/insurance/supplementary-insurance/outpatient/completa

SWICA
List of covered CAM methods (100 methods):
www.swica.ch/p/033_e_Liste_Komplementaermedizin.pdf

Insurance offers: COMPLETA TOP, OPTIMA
www.swica.ch/en/for-private-clients/insurance-solutions/supplementary-insurance/completa-top
www.swica.ch/en/for-private-clients/insurance-solutions/supplementary-insurance/optima

ATUPRI
List of covered CAM methods (chiropractic, acupuncture):
www.atupri.ch/sites/default/files/2017-03/Versicherungsangebot_Leistungs%C3%BCbersicht_0.pdf

Insurance offers: MIVITA REALA, MIVITA EXTENSA
www.atupri.ch/de/private/versicherungen/zusatzversicherungen/mivita

VISANA
List of covered CAM methods (39 methods):
www.visana.ch/dam/internet/dokumente/01_privatkunden/06_listen/vertragsspitaeler_hotel_plus_de0.pdf

Insurance offers: KOMPLEMENTÄR I, II, III
www.visana.ch/de/privatkunden/leistungen/zusatzversicherung/komplementaer

KPT-CPT
List of covered CAM methods (6 methods):
www.kpt.ch/de/services/faq/Seiten/leistungen.aspx

List of covered CAM methods (6 methods):
www.kpt.ch/de/produkte/zusatzversicherungen/Seiten/natura.aspx

INNOVA
Insurance offers and a list of covered methods (anthroposophic medicine, homeopathy):
SANVITA PLUS ONE, SANVITA PLUS TWO

www.innova.ch/innova-de/fuer_private/zusatzversicherung/ambulant.html

SANITAS
List of covered CAM methods (110 methods):
www.sanitas.com/en/index/private-customers/services/leistungen/alternativmedizin.html

Insurance offers: CLASSIC, FAMILY, JUMP
www.sanitas.com/en/index/private-customers/products/supplementary-insurance.html

ÖKK
List of covered CAM methods (44 methods):
www.oekk.ch/~/media/medien/pk/service/pk_alternativmedizin_fam_op_pr_de.pdf?la=en

Insurance offers: FAMILY, FAMILY FLEX, OPTIMA, PREMIUM
www.oekk.ch/en/private-clients/offers/supplementary-insurance/

ASSURA
Insurance offers and a list of covered methods: NATURA, MEDNA
de.assura.ch/krankenkasse/zusatzversicherungen-fuer-komplementaermedizin

GERMANY

SECURVITA
List of covered CAM methods (acupuncture, homeopathy, anthroposophic medicine, osteopathy, chiropractic, traditional Chinese medicine, Reiki for preventive causes is also reimbursed):
www.securvita.de/fileadmin/user_upload/PDF-Dateien/krankenkasse/m-erstattungssaetze-39.pdf

Insurance offers: SECURVITA
www.securvita.de/krankenkasse.html

BARMENIA
A list of covered CAM methods (57 methods):
www.barmenia.de/media/dokumente/tarifbedingungen_bk/K4610.pdf

Insurance offers: EINSA EXPERT, EXPERT +, PRIMA, PRIMA +, PRIMEX
www.barmenia.de/de/produkte/krankenversicherung/private-krankenversicherung/uebersicht.xhtml

TECHNIKER KRANKENKASSE
List of covered CAM methods (phytotherapy, homeopathy, anthroposophic medicine):
www.tk.de/tk/beratung/zuzahlungen-und-erstattungen/alternative-arzneimittel/916258

BKK VBU
List of covered CAM methods (acupuncture, anthroposophic medicine, homeopathy, osteopathy, herbal medicine):
www.meine-krankenkasse.de/naturheilkunde/

Other insurance companies worldwide:

INDIE

HDFC ERGO
Insurance offers (for more than 6,000 hospitals): Health Suraksha
List of covered CAM methods (Ayurveda, homeopathy, Siddha, Unani):
www.hdfcergo.com/health-insurance/health-suraksha-medical-insurance-policy.html

TATA AIG INSURANCE
Insurance offers (for more than 3,000 hospitals): MediPrime
List of covered CAM methods (Ayurveda, homeopathy, Siddha, Unani):
www.tataaiginsurance.in/health-insurance/medi-prime.html

USA

AETNA
List of covered CAM methods (acupuncture, chiropractic):
www.aetna.com/cpb/medical/data/300_399/0388.html

KAISER PERMANENTE
List of covered CAM methods (acupuncture, naturopathy, chiropractic, massage therapy):
www.ghc.org/html/public/services/alternative

MEDICARE
List of covered CAM methods (chiropractic):
www.medicare.gov/coverage/is-your-test-item-or-service-covered.html

BLUE CROSS
List of covered CAM methods (acupuncture, chiropractic, mind-body therapies):
m.bcbstx.com/bam/blue_alternative.html
www.bcbs.com/

CIGNA
List of covered CAM methods (chiropractic, therapeutic massage, acupuncture):
www.cigna.com/cigna-healthcare-policies

Insurance offers: Cigna Healthy Rewards
www.cigna.com/individuals-families

HEALTH PARTNERS
List of covered CAM methods (acupuncture, chiropractic):
www.healthpartners.com/public/coverage-criteria/

Lists of insurance companies that support CAM:

www.moneyland.ch/en/supplemental-health-insurance-comparison
www.moneyland.ch/en/health-insurance-alternative-medicine
www.krankenkassen.de/krankenkassen-vergleich/gesetzliche-krankenkassen/alternative-medizin/

Context:

“A recent survey of 18 major HMOs and insurance providers, including Aetna, Medicare, Prudential, and Kaiser Permanente, found that 14 of them covered at least 11 of 34 alternative therapies. Chiropractic, massage therapy, and acupuncture are the three most-covered therapies followed by naturopathic medicine. Other therapies that are increasingly being included are herbal remedies, homeopathy, mind-body stress management, and meditation.”

Source: Verywell.com. Health Insurance and Alternative Medicine [online]. 22. 6. 2016 [cit. 29. 4. 2018].
Available from:
www.verywell.com/questions-insurance-alternative-medicine-88734

WHO review about the situation of CAM in various countries. Also includes the aspect of health insurance coverage:
WHO. Legal Status of Traditional Medicine and Complementary/Alternative Medicine: A Worldwide Review [online]. 2001 [cit. 2018-04-06]. Available from:
apps.who.int/iris/handle/10665/42452