Natural medicine optimally insured
Learn how the outpatient alternative practitioner supplementary insurance from nextsure allows you access to alternative healing methods and supports your health holistically. Optimum coverage for naturopathic treatments.
Individual Reimbursement
Broad Range of Services
Digital Processing
What exactly does an outpatient supplementary health insurance cover?
Reimbursement for alternative practitioners
Cover for naturopathic treatments
Individual Tariff Options
Supplement to GKV
Who would benefit from supplementary insurance for alternative practitioners?
A supplementary insurance for alternative practitioners is particularly beneficial for individuals who value alternative and complementary medical treatment methods and wish to use them regularly or in the future. If you have had positive experiences with osteopathy, acupuncture, or homeopathy and do not want to bear the costs yourself, this insurance is ideal. It is suitable for health-conscious people who want to complement conventional medicine with naturopathic treatments, as well as for families who want to provide their children with access to gentle healing methods. Digitally savvy customers like "Digital Anna" also appreciate the hassle-free online management and submission of claims offered by nextsure.
Your Health, Your Choice
Benefits of the outpatient alternative practitioner supplementary from nextsure
Cost Coverage
Reimbursement for naturopathy and alternative practitioners.
Free Choice
Free choice: naturopath or doctor.
Quick Protection
Short or no waiting times available.
Digital made simple
Submit invoices online, track status.
For Families
Attraktive Konditionen auch für Kinder.
Transparency
Clear performance descriptions and conditions.
Flexibility
Tailored tariffs for your needs.
Expertise
Expert advice on your coverage.
Top Price
Affordable premiums for comprehensive coverage.
Discover how we support you with alternative healing methods.
Use naturopathy,
Optimise costs.
Cost coverage: Which naturopathic treatments are typically reimbursed?
The supplementary outpatient health practitioner insurance covers a variety of recognised naturopathic treatments. These often include acupuncture, osteopathy, chiropractic therapy, homoeopathy, and phytotherapy (herbal medicine). Special therapies such as neural therapy, autologous blood therapy, or cupping may also be covered. The specific list of reimbursable treatments and the extent of cost coverage (usually as a percentage or up to a maximum rate per year) can be found in the respective tariff conditions. It is important that the treatment is carried out by a qualified health practitioner or, depending on the tariff, by a doctor with the appropriate naturopathic additional training.
What should I consider when choosing the right plan?
When selecting a tariff for your supplementary alternative practitioner insurance, you should primarily focus on the scope of coverage: Which specific procedures are reimbursed and up to what amount? Are there annual maximum limits or per-session limits? Also check the reimbursement rates (e.g., 80% or 100% of the invoice amount). Pay attention to any waiting periods before benefits can be claimed. The health questions at the time of application must be answered truthfully. Compare the monthly premiums to see if the tariff fits your individual needs and budget. nextsure provides transparent information to help you make a decision.
Heilpraktiker vs. Doctor for Naturopathy: Who is Covered?
Most outpatient naturopathic supplementary insurance plans cover treatments both by state-recognized alternative practitioners and for naturopathic procedures carried out by licensed doctors with appropriate additional training (e.g. homeopathy, acupuncture, chiropractic therapy). The decisive factor is the exact wording in the insurance terms of your chosen plan. Some policies may have differences in reimbursement rates or recognize certain procedures only for one of the two professional groups. If in doubt, clarify in advance with nextsure to ensure your desired practitioner and their methods are included in the service scope.
Understanding the Fee Schedule for Alternative Practitioners (GebüH)
The fee schedule for alternative practitioners (GebüH), actually known as the "Fee Directory for Alternative Practitioners", serves as a frame of reference for billing services provided by alternative practitioners. It is not legally binding like the GOÄ for doctors. Many supplementary insurance policies refer to the rates of the GebüH for reimbursement. Since the GebüH has not been updated since 1985, the actual fees may be higher. Good policies often reimburse beyond the basic rates of the GebüH or cover a percentage of the invoice total, independent of the GebüH. Make sure to clarify the billing arrangements in advance with your alternative practitioner and your insurance provider.
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Tariff
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Digital submission of invoices: It's that easy with nextsure
nextsure makes it as easy as possible for you to get reimbursed for your alternative practitioner costs. Thanks to our fully digital processes, you can conveniently submit invoices online via our customer portal or the nextsure app. Simply photograph the invoice or upload it as a PDF – and you're done. You save on postage and time, and can track the processing status transparently at any time. This service is ideal for our digitally savvy customers like "Digital Anna" or "Freelancer Tom", who expect quick and straightforward solutions. We focus on efficiency, so you can concentrate on your health.
Combination with other supplementary insurances: Beneficial additions
An outpatient alternative practitioner supplementary insurance is a valuable addition to your health protection and can be ideally combined with other supplementary insurances. A popular combination is with dental supplementary insurance, as high personal contributions often arise here as well. A hospital supplementary insurance provides you with comfort and free choice of doctor in the inpatient area. Depending on your needs, a spectacles insurance or international health insurance can also be useful. nextsure is happy to advise you on how to tailor your insurance coverage modularly and precisely to your individual needs, in order to optimally fill gaps in the statutory health insurance provision.
Waiting times and health questions: What you need to know
When taking out supplementary insurance for alternative practitioners, waiting periods and health questions are important aspects. General waiting periods are often three months; for specific services such as psychotherapy, they may be longer. Some plans offer shortened or no waiting periods. Health questions must be answered completely and truthfully, as incorrect information can jeopardize insurance coverage. The type and number of questions vary depending on the provider and plan. Plans without health questions are rare and usually come with higher premiums or limited benefits. Find out about the specific conditions transparently at nextsure.
What requirements must a naturopath meet for the costs to be covered?
Also for children, a supplementary health insurance with a naturopath can be a sensible investment, as many parents prefer gentle, naturopathic treatment methods for their children. Whether for susceptibility to infections, allergies, or general strengthening – the costs for child-friendly naturopathic procedures such as homeopathy or osteopathy are often not covered by the statutory health insurance (GKV). Special children's tariffs are usually cheaper and can often be concluded without a renewed health examination if a parent is already insured. This allows you to provide your child, as "family man Markus" aspires to, with comprehensive healthcare from an early age, which also includes alternative methods.
