Did you start physiotherapy towards the end of the year and still have sessions left on your prescription in January? There’s no need to fit everything in before 31 December: here’s how we bill a course of treatment spanning 2026 and 2027.
The principle: one invoice per year
- All sessions held in 2026 are billed in 2026, on the date they took place.
- If there are sessions left on your prescription, you simply continue them as normal in 2027. They are covered by a second invoice, in 2027.
Your prescription doesn’t end on 31 December: you simply finish your course of sessions the following year, with the same physiotherapist.
Why two invoices?
Health insurance assigns each session to the year in which it took place. Your deductible and your co-payment are calculated per calendar year: sessions in 2026 count towards 2026, those in 2027 towards 2027. Separate invoices allow your insurer to process them correctly.
What this means for you
- Already reached your 2026 deductible? End-of-year sessions are covered under your 2026 terms (usual co-payment).
- In January, a new deductible starts. Sessions held in 2027 count towards your 2027 deductible.
- Accident (accident insurance, LAA): no deductible; both invoices are simply sent to your insurer.
Our advice
If you have already reached your deductible this year, it may be worth scheduling a few extra sessions before the end of December. Talk to your physiotherapist: we’re happy to arrange your appointments around your situation. For details of your cover, your insurer remains the best reference.
A question about your invoice? Email us at info@startphysio.ch or book an appointment.
