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psychologists and mental health ×

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HR and payrollpsychologists and mental health

Mental health cao and PFZW: why does sole proprietorship or company make a difference for your staff?

A psychology practice with staff does not automatically fall under the mental health cao and the PFZW pension fund. The cao defines the employer as a legal entity, such as a private limited company or foundation, and has not been generally binding since 1 August 2026. PFZW excludes employers that only provide general basic mental health care without a medical specialist. Anyone growing or moving to a company must review both again.

7 min read

Financial insightpsychologists and mental health

With or without a contract as a psychologist: what does the max-max rate bring, and what do you get without one?

In mental health care the NZa sets maximum rates. With a written contract with a health insurer, a practice may agree up to 10% above that: the max-max rate. In practice insurers often agree a rate below the maximum. Without a contract you may not charge more than the maximum, and your client receives a reimbursement the insurer sets itself. It may not be so low that it becomes an obstacle.

6 min read

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