Family Insurance Planning Guide
Everything you need to know about pregnancy coverage and newborn insurance in Switzerland. Learn why pre-registration matters and how to secure the best coverage for your growing family.
Pregnancy Coverage
Basic Insurance Coverage
Check-ups & Screenings
- 7 routine check-ups during normal pregnancy
- 2 ultrasound examinations
- First trimester screening
- Prenatal diagnostics for high-risk pregnancies
- Blood tests and screenings
Birth & Delivery
- All delivery costs (hospital or birthing center)
- Midwife services during pregnancy and birth
- Anesthesia if medically necessary
- Cesarean section when indicated
- Postnatal care in hospital
Postpartum Care
- 3 breastfeeding consultations
- 1 postpartum check-up
- Midwife home visits (up to 10)
- Additional visits if medically necessary
- Basic newborn care
Supplementary Insurance Options
Enhanced Comfort
- Private or semi-private room
- Choice of hospital anywhere in Switzerland
- Extended hospital stay
- Family room options
- Additional amenities
Additional Services
- Extra ultrasound examinations
- Birth preparation classes
- Alternative medicine treatments
- Extended breastfeeding support
- Postnatal fitness classes
Family Benefits
- Rooming-in coverage
- Extended family room stay
- Additional midwife visits
- Home help services
- Child care support
Newborn Insurance
Why Pre-register Your Baby?
Guaranteed Acceptance
Pre-register to ensure acceptance without health checks
No Waiting Periods
Immediate coverage for supplementary insurance from birth
Better Coverage Options
Access to comprehensive supplementary insurance packages
Available Insurance Packages
Basic Coverage
Mandatory health insurance for newborns
- Doctor visits and vaccinations
- Hospital stays if needed
- Prescription medications
- Emergency care
- Preventive care
Hospital Insurance
Enhanced hospital care options
- Private or semi-private ward
- Free choice of hospital
- Rooming-in coverage
- Extended stay options
- Specialist care
Dental Coverage
Early dental care protection
- Regular check-ups
- Orthodontic treatment
- Accident coverage
- Preventive care
- Major dental work
Registration Timeline
1
During Pregnancy
Research and compare insurance options
Best time for supplementary insurance acceptance
2
Before Birth
Pre-register for chosen supplementary coverage
Guaranteed acceptance without health checks
3
After Birth
Complete basic insurance registration
Required within 3 months of birth
Frequently Asked Questions
- When should I register my baby for health insurance?
- For basic insurance, you have 3 months after birth to register your baby. However, for supplementary insurance, it's recommended to pre-register during pregnancy to ensure acceptance without health checks and immediate coverage from birth.
- What pregnancy costs are covered by basic insurance?
- Basic insurance covers all essential pregnancy care including check-ups, ultrasounds, birth, and postpartum care. This includes 7 routine check-ups, 2 ultrasounds, delivery costs, and up to 10 midwife visits after birth.
- Can I choose any insurance provider for my baby?
- Yes, you can choose any provider for your baby's basic insurance, regardless of your own provider. For supplementary insurance, pre-registering during pregnancy often offers better acceptance chances and terms.
- What additional coverage should I consider for my baby?
- Consider supplementary insurance for enhanced hospital care (private/semi-private), comprehensive dental coverage, and alternative medicine. Pre-registering during pregnancy ensures acceptance without health checks.
- Do I pay deductibles for pregnancy care?
- No, pregnancy-related care from the 13th week of pregnancy until 8 weeks after birth is exempt from deductibles and co-payments under basic insurance.
Planning for your family's future?
Get expert guidance on pregnancy and newborn insurance