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Naturopath: who pays for the treatment?

Naturopath services are popular but are usually not covered by statutory health insurers. Anyone who wants reimbursement is generally dependent on private supplementary or health insurance. Its terms decide whether costs are reimbursed.

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Your chances of getting your money back

Statutory health insurance generally does not cover naturopath services; only individual funds offer limited statute-based or bonus benefits. What matters is the benefits catalog (§ 11 SGB V) and the respective statute.
Private health insurers and naturopath supplementary insurance reimburse part of the costs depending on the tariff, often up to maximum amounts and according to the fee schedule for naturopaths. Check the terms carefully.

What you should do now

  1. 1

    1. Check your insurance

    Look into whether and which naturopath services your tariff covers.

  2. 2

    2. Clarify in advance

    For more expensive treatments, ask in advance about reimbursement and maximum amounts.

  3. 3

    3. Review the invoice

    Make sure the invoice is comprehensible and follows the usual fee framework.

  4. 4

    4. Submit for reimbursement

    Submit the invoice with diagnosis and services to your insurer.

How to spot the scam

  • You assume the statutory fund will reimburse you.
  • Maximum amounts and annual limits of the tariff are overlooked.
  • The invoice does not clearly show services and amounts.

Frequently asked questions

Does the statutory health insurer pay for the naturopath?

Usually not. Naturopath services are generally not part of the statutory health insurance benefits catalog. Individual funds offer limited statute-based or bonus benefits; that is the exception, however, and tied to conditions.

Which insurance reimburses naturopath costs?

Above all, private health insurers with a suitable tariff and special naturopath supplementary insurance. Depending on the tariff, they reimburse part of the costs, often with maximum amounts per year and according to the fee schedule for naturopaths.

What do I need to watch for on the invoice?

A comprehensible list of services with amounts that follow the usual fee framework. Excessive or unclear invoices can lead to reductions. For expensive treatments, it is best to clarify reimbursement with your insurer in advance.

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General information for self-help, not legal advice (RDG). In case of a high loss or uncertainty: contact a consumer advice center or a lawyer.