Services & Prices

1. Is chiropractic care covered by health insurance in 2027?

Chiropractic care is not covered by basic health insurance. However, some supplementary insurance policies do offer reimbursement for chiropractic treatments. This reimbursement generally falls under the category of alternative medicine.

Whether you are entitled to reimbursement depends on your insurer’s terms and conditions and the supplementary insurance package you have chosen.

Pay attention to the following points:

Reimbursement per treatment: The maximum amount you receive back per treatment day or individual treatment.

Annual maximum: The total amount your insurer reimburses per calendar year.

Recognition or registration: Your insurer may have specific requirements regarding the practitioner’s registration.

Policy conditions: Not every supplementary insurance policy covers chiropractic care.

Therefore, always check the terms and conditions of your own health insurance policy before scheduling a treatment.

2. What changes in 2027?

The compulsory excess is expected to increase from €385 to €400 in 2027. This excess applies to healthcare covered by basic health insurance for which the excess is applicable. It does not apply to reimbursements for chiropractic care through supplementary health insurance.

Reimbursement for chiropractic care is determined by your supplementary insurance policy. Health insurers set their own conditions and may change these annually.

The new premiums and policy conditions for 2027 will be announced by 12 November 2026 at the latest. It is therefore advisable to review the conditions of your supplementary insurance again before making a decision for the coming year.

Our advice: don’t just look at the monthly premium, but also consider the maximum amount you can actually claim back.

3. How does reimbursement for chiropractic care work?

If your supplementary insurance covers chiropractic care, you can submit your treatment costs for reimbursement according to your insurer’s conditions. The amount you receive back depends on the reimbursement per treatment and the annual maximum.

For example, suppose your insurer reimburses a maximum of €40 per treatment, with an annual maximum of €250. If a treatment costs €75, you can receive a maximum of €40 back, provided you have not yet reached your annual reimbursement limit.

In this example, you pay the remaining €35 yourself.

If you have already used part of your reimbursement allowance during the year, the amount you can claim back may be lower.

Please note that the amounts mentioned are for illustrative purposes only. Actual reimbursement depends on the terms and conditions of your health insurance policy for 2027.

4. What should you look out for when choosing health insurance?

Supplementary insurance may be worthwhile if you regularly use healthcare services covered by the additional policy. However, taking out a more comprehensive insurance package is not always the most cost-effective option.

When comparing insurance policies, consider the following:

1. The maximum reimbursement per treatment

An insurer may reimburse a percentage of the treatment costs but impose a maximum amount per treatment.

2. The annual reimbursement limit

This determines how much you can claim back in total. Also check whether chiropractic reimbursement is part of a shared allowance covering several types of alternative healthcare.

3. The supplementary insurance premium

Compare the additional premium you pay with the reimbursement you realistically expect to use.

4. Requirements for the practitioner

Some insurers have specific requirements regarding the practitioner’s registration or professional association membership. Therefore, check in advance whether your treatment meets these conditions.

5. Is supplementary insurance for chiropractic care worth it?

This varies from person to person. It depends on factors such as the premium, the maximum reimbursement and the number of treatments you expect to need.

A simple example:

Suppose your supplementary insurance costs an additional €20 per month. That’s €240 per year. If you can receive a maximum of €250 in reimbursement for chiropractic care, this does not automatically mean you will save money.

You also need to consider other policy conditions and whether you will actually use the full reimbursement allowance.

Supplementary insurance is therefore not necessarily the cheaper option. Calculate the annual cost of the insurance in advance and compare it with the reimbursement you realistically expect to receive.

6. How can you check your reimbursement?

Would you like to know whether your treatment at Posturefixx qualifies for reimbursement? The best approach is to follow these steps:

1. Review the terms and conditions of your supplementary insurance policy for 2027.

2. Look for reimbursement information relating to chiropractic care or alternative medicine.

3. Check the maximum reimbursement per treatment and per calendar year.

4. Find out whether your insurer has any specific requirements regarding the practitioner’s registration.

5. If in doubt, contact your health insurer before booking a treatment.

This will help you understand what to expect financially and avoid unexpected costs.

At Posturefixx, we believe it is important that you can make an informed choice about the care and guidance that suits you. This also means being clear about the costs and potential reimbursement through your health insurance.

Would you like to know whether your supplementary insurance covers chiropractic care? Check your insurer’s policy conditions or contact them directly.

This will help you make a more informed decision about the care and support that best suit your needs and circumstances.

Do you have questions about our approach or would you like to know how Posturefixx can help you? Please feel free to get in touch. We are happy to help.