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Market reading · sante cabinets

Digital therapy: reimbursement does not create adoption

How compulsory-insurance coverage from 1 July 2026 turns a therapeutic app into a practical prescriber pathway.

getfishnetDocumented analysis20265 min read

An app can be recognised as a medical device, address a specific indication and remain absent from everyday clinical work. That gap is commercial, operational and clinical at once. On 1 July 2026, compulsory health insurance began covering an interactive digital cognitive behavioural therapy application for certain forms of depression. Prescribing is restricted to specified professionals, use is limited to 90 days and the item is under evaluation until the end of 2026. A reimbursement code opens a door; it does not train prescribers, organise patient information or show that the therapy suits every situation. This insight follows regulatory eligibility, medical decision, activation and follow-up . It identifies a first purchase: a prescriber-activation study in one territory, paired with a practice integration protocol. It explains how to measure adoption without turning depression into an advertising segment or promising a therapeutic outcome. Potential exists because eligible prescribers are identifiable; its value depends on cautious implementation, support and separate evidence at every stage. General analysis updated on 7 August 2026. It does not replace a prescription, clinical judgement, reimbursement decision or surveillance decision.

What has compulsory health insurance covered since 1 July 2026?

Since 1 July 2026, compulsory health insurance may cover an interactive digital cognitive behavioural therapy application for defined forms of depression. The licence lasts no more than 90 days, and prescribing is restricted to the specialists and qualifications specified in the MiGeL list. The item is under evaluation until 31 December 2026.

The Federal Office of Public Health states that the application is used to complement psychotherapy or while a patient is waiting for a consultation. It must meet the tariff item's conditions, including those concerning effectiveness, appropriateness and use. This is neither a generic wellbeing app nor an automatic replacement for a therapeutic relationship.

Why is a reimbursement item not enough to generate prescriptions?

Reimbursement alone is insufficient because the prescriber must know the tool, confirm the indication, explain its role and respond if the patient does not activate it or the clinical situation changes. A practice has to add a new decision to limited consultation time. Without a simple pathway, financial access remains separate from use.

The supplier must answer practical questions about available languages, support, data protection, access difficulties and the connection with the next appointment. Commercial communication must never bypass medical judgement. Its role is to give professionals the information they need to make their own decision.

Four points of friction before first useMeasure every stage separately. A prescription does not prove activation.
  • Awarenessthe prescriber recognises the item
  • Eligibilitythe situation meets the conditions
  • Prescriptioncorrect designation and information
  • Activationthe patient gains access and starts

What first diagnostic can the supplier buy?

The first practical purchase is an activation study for one territory or network: eligible prescriber audience, current pathway, objections, documentation, support and capacity. It ends with a bounded pilot plan for a small group of practices and stage-specific indicators. It promises neither prescriptions, individual reimbursement nor clinical improvement.

The partner chooses an area where the supplier can provide support and process feedback. It conducts professional interviews, reviews documents and confirms that prescriptions use an unambiguous product designation. The parties agree the fee, duration and number of practices before acquisition begins. Clinical or regulatory questions beyond the commercial team's competence go to the designated accountable specialist.

AreaQuestionOutput
AudienceWho may prescribe?Qualified list
PathwayWhere does adoption stall?Friction map
EvidenceWhich documents are required?Prescriber file
CapacityWho responds, and by when?Support rule

How can prescribers be identified without targeting patients?

Prescribers are identified from professional sources by specialty, role and territory. The campaign uses no diagnosis, patient list or individual health behaviour. Outreach offers information about the prescribing pathway; only the healthcare professional decides whether the tool is appropriate for a particular person.

Associations, congresses, care networks and specialist content can support awareness. Search content addresses questions about reimbursement. Direct contact becomes useful once the professional role is confirmed. Every channel must comply with the rules governing advertising for therapeutic products and with the supplier's internal approval process.

Which evidence makes a commercial message defensible?

A defensible message separates medical-device status, reimbursement conditions, clinical evidence and practical use. It states the indication and limitations precisely. An efficacy study does not guarantee an individual's outcome; a MiGeL item does not endorse every product feature; adoption does not establish adherence throughout the 90-day period.

How to read the diagram. Acquisition ends with the professional; the clinical decision starts there.

Which evidence makes a commercial message defensible?Which evidence makes a commercial message defensible?
  1. 1Device and evidence
  2. 2MiGeL conditions
  3. 3Eligible prescriber
  4. 4Alternative route
  5. 5Prescription and information
  6. 6Activation and follow-up
  7. 7Eligible patient?

How can the app be integrated without burdening the consultation?

Integration should provide a short briefing sheet, a prescribing procedure, patient support and a follow-up rule. The practice should not have to reconstruct instructions for each case. The supplier tests the journey with professional users, measures the time required and fixes friction before widening the campaign.

Administrative staff may prepare some elements, but medical judgement remains with the prescriber. Incidents, difficulties and discontinuations follow a known procedure. The supplier must specify which data it receives and which information remains in the professional's clinical record.

Past the midpoint of this insight, the Healthcare and practices market page links this activation challenge with TARDOC, medical admission and KVG quality. The initial purchase remains distinct: it does not recode a consultation or select a canton; it makes a reimbursable tool usable by authorised prescribers.

Which indicators separate interest, prescription, activation and use?

Indicators should track four stages: informed professional, qualified appointment, compliant prescription and activation, followed by use where authorised data permits. Every stage has a different denominator. Combining downloads, prescriptions and treatments hides friction. Clinical outcomes belong to medical evaluation and must not become an improvised advertising measure.

Before the pilot, the supplier and partner define which events can be measured without collecting excessive data. Figures remain confidential. Any illustrative demonstration is clearly marked as a scenario and never presented as observed performance.

When does activation become a recurring relationship?

The relationship can recur when new practices, territories or indications require activation, or when support and training form a distinct service. A 90-day patient licence describes insurance coverage, not automatic consultancy revenue. Every commercial cycle must relate to a paid service and real delivery capacity.

Measure each stage separatelyRates come from the supplier; no performance is assumed.
  • Professionals informedvalue: qualified reach
  • Pathway understoodvalue: professional intent
  • Prescriptionsvalue: clinical decisions
  • Activationsvalue: access started

Which authoritative sources define this opportunity?

The FOPH establishes the effective date, MiGeL item, eligible prescribers and evaluation period; the Health Insurance Benefits Ordinance and KVG govern coverage; Swissmedic regulates the medical device. These sources recommend no product to an individual and guarantee neither a prescription, reimbursement in a particular case nor a therapeutic outcome.

Official references and verification dates remain in the private source file. This public insight names the authorities without external links. The supplier must revalidate the item and its status before every campaign, particularly after the evaluation period ends.

How can you check at no cost whether this strategy fits your offer?

The complimentary eligibility assessment reviews your status, evidence, prescriber pathway, acquisition challenge and support capacity. It makes no therapeutic recommendation. It establishes whether getfishnet and your team could build a tailored strategy around reimbursed access, a professional audience and a measurable pilot.

Does your market present a comparable window?

The eligibility report dates and quantifies it, then tests whether it deserves action.

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Strategic development · non-exhaustive demonstration

Reading the diagram. A disease contact only progresses after proof of origin, qualification of the relationship and control of the product concerned.

Text alternative. Telephone, prescriber or incoming request follow different proofs; missing consent causes documented exit.

How can the testing cycle reach a stable operating rhythm?

Relative benchmarks: D00 sets the rules of origin and termination of contact, D14 closes the preparation, W03 to W06 tests the scripts, consents, relationships of more than thirty-six months and ceilings per product, W07 to W08 arbitrator, then M03 stabilizes documented paths. Variances are recorded before any budget extension.

Gantt chart for the testing cycle — NON-EXHAUSTIVE DEMONSTRATION

getfishnet analysis diagram — non-exhaustive representation.

Reading the diagram. The foundation secures the right to contact; exploration then measures the quality of requests before any channel stabilization.

Textual alternative. D00 sets consent, D14 audits scripts, W03–W06 tests provenance, W07–W08 cuts discrepancies, M03 maintains compliance.

What financial potential does the model make visible?

Model: 132 qualified conversations, 44 reviews and 26 new customers. Weighted average: 1 527 CHF; monthly total: 39 700 CHF. The projection concerns acquisitions agreed and allocated, without using the ceilings as margin or portfolio value. No national denominator is applied.

Breakdown of acquisitions — NON-EXHAUSTIVE DEMONSTRATION

The chart counts customers, not percentage points.

getfishnet analysis diagram — non-exhaustive representation.

Reading the diagram. 26 acquisitions represent subscriptions preceded by a controlled origin and relationship; the size of a share does not prejudge either the documentary quality or the maintained value.

Text alternative. The circle distributes customers obtained after verifiable consent, never people simply called. Total: 26 customers, reread with the value specific to each channel.

How do customers, average monthly revenue, and recurring revenue correlate by channel?

Channel exploredCustomersAverage monthly revenue per customerMonthly Recurring Channel Revenue
Natural and paid referencing41 300 CHF5 200 CHF
Telephone outreach31 600 CHF4 800 CHF
Voicemails2900 CHF1 800 CHF
Email Campaigns41 200 CHF4 800 CHF
Social networks31 400 CHF4 200 CHF
Partners and prescribers32 000 CHF6 000 CHF
Events and webinars21 700 CHF3 400 CHF
Advertising retargeting11 100 CHF1 100 CHF
Strategic accounts and outbound outreach22 300 CHF4 600 CHF
Content and press relations21 900 CHF3 800 CHF
Total / weighted average261 527 CHF39 700 CHF

The value is read again with the product, the applicable ceiling and the cost of controlling the provenance. The product customers × average income totals 39 700 CHF without promising performance.

Monthly recurring revenue by channel — NON-EXHAUSTIVE DEMONSTRATION

getfishnet analysis diagram — non-exhaustive representation.

Reading the diagram. Compliant disease contacts, their converted volumes and the corresponding monthly income recompose 39 700 CHF without a value outside the table.

Alternative text. Each height associates an authorized channel, actual assigned customers, and the value specific to their product. Their addition exactly equals monthly 39 700 CHF.

How should acquisition cost be assessed before recurring revenue is scaled?

Arbitration adds proof of consent, script control, relationship data, call supervision and refusal handling and reports the charge to assigned customers. It compares legal origin, product concerned, ceiling, full cost, expected termination and service capacity then reduces any channel that weakens the proof.

Funnel to Retained Monthly Recurring Revenue — NON-EXHAUSTIVE DEMONSTRATION

getfishnet analysis diagram — non-exhaustive representation.

Reading the diagram. disease contacts whose origin is demonstrated produce raw 39 700 CHF, then 34 142 CHF after maintaining at 86 %.

Text alternative. 132 conversations become 44 journals and 26 clients for disease contacts whose provenance is demonstrated. 39 700 CHF weighted to 86 % gives 34 142 CHF.

Financial limit. The 70 francs and the sixteen bonuses limit the remuneration; they give neither margin, nor number of contracts, nor maintenance. The 34 142 CHF remains a hypothesis, without reference value or forecast.

Text references: Federal Office of Public Health, decision and rules applicable to intermediaries; monitoring activity report. The federal office describes ceilings and outreach, while consent and history remain evidence specific to the file. The addresses remain in the internal source register. Each topic retains a clear documentary boundary.

The ISA 2024 processes the status. The ICA 2022 processes the contract trace. The nLPD 2023 shows another prequalification of the contact and data.

CORRELATED READINGS — DYNAMIC MODULE

The thematic map will link rules 2024 of health insurance intermediaries to ISA for status, ICA for contract and nLPD for legality of contact data. The links remain governed without implying equivalence.

The September deadline has passed; each origin of contact must always be able to be explained The report isolates the proof and the next action without reopening the 2024 rules of health insurance intermediaries.

g
getfishnet editorial team

The topic is broken down into entities, attributes, evidence, channels, costs and decision points. Institutions are cited in the text; no external resource interrupts the reading path.

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