Our baby has arrived

Having a baby turns everything on its head. Take the time to get to know each other. Your baby needs your full attention and protection. Newborn babies have very weak natural defences. It’s advisable to stay at home for a week after the birth. 

Register your baby before birth

Why is this important? If you take out supplementary insurance for your baby while you’re pregnant, the child will be accepted and guaranteed the best possible cover right from birth.

Your baby needs its own health insurance no later than three months after the birth. Basic insurance cover always applies from birth. So which costs are covered by basic insurance in the first years of life, and why is supplementary insurance necessary? 

What costs are covered under basic insurance?

Examples of benefits covered by basic insurance:

  • Examinations regarding general health and normal child development
  • Vaccinations such as measles, mumps, rubella, diphtheria, tetanus, whooping cough and polio
  • Glasses and contact lenses with medical eye test   
  • Hip sonography for newborns between the age of 0 and 6 weeks by a doctor who specialises in this method

What costs are covered by supplementary insurance?

Examples of costs only covered by supplementary health insurance:

  • Osteopathy and craniosacral therapy by therapists recognised by Sanitas (NVS/ASCA/EMR)·        
  • If medically prescribed: Milk substitute for children under the age of two who cannot tolerate mothers’ milk
  • Glasses and contact lenses without medical prescription
  • Braces for misaligned teeth

Cover Check: which benefits are covered by your insurance?

Do you want to know, for example, if Sanitas covers vaccinations for your child, and if so, to what extent?  You'll
find the answer early using the Cover Check in the Sanitas Portal. Simply enter the benefit you’re interested in. The search engine will indicate whether the benefit is covered and under which insurance plan.

Family-friendly insurance solutions

The insurance solution that’s best for you depends primarily on your requirements and your budget. We’ve put together three insurance packages for every budget.

Low-budget insurance

Recommended basic insurances
 

Medbase MultiAccessMedbase network of experts as a medical point of contact

NetMed: Initial consultation in a practice from a medical network

Compact One: Binding treatment plan on initial telemedical consultation

Recommended supplementary insurance

Vital: Choose your insurance category depending on your requirements and budget

Recommended hospital insurances

Hospital Standard Liberty: Hospital insurance for the general ward

Hospital Upgrade: Switch to the next higher hospital category without a health check

Medium-budget family insurance

Recommended basic insurances
 

CareMed: Initial consultation by your family doctor

CallMed: Flexible treatment plan on initial telemedical consultation

Recommended supplementary insurances

Vital: Choose your insurance category depending on your requirements and budget

Capital Accident: Financial security in the event of accident-related disability or death

Recommended hospital insurances

Hospital Extra Liberty: Hospital insurance for semiprivate ward

Hospital Upgrade: Switch to the next higher hospital category without a health check

Hospital Day Comfort: Outpatient hospital insurance for high-end medical care and comfort

High-budget family insurance

Recommended basic insurance

Basic: Basic insurance with free choice of doctors

Recommended supplementary insurances

Vital: Choose your insurance category depending on your requirements and budget

Capital accident and illness: Financial security in the event of accident or illness-related disability or death

Recommended hospital insurance

Hospital Top Liberty: Hospital insurance for the private ward

Hospital Day Comfort: Outpatient hospital insurance for high-end medical care and comfort

Sanitas maternity services

 

The Sanitas maternity services offer support and advice all the way from planning a family to your child’s first birthday. These services include the following benefits:

  • Newsletter with helpful information on planning a family, pregnancy and the first months with your baby
  • Customer Care Maternity for advice on health insurance matters: 0844 160 160
  • Medical hotline exclusively for expectant mothers and children’s health hotline: 0844 110 110
  • Budget calculator for families
  • Exclusive offers for you and surprise gifts for your baby

We’d be delighted to welcome you to the Sanitas maternity services. You can also register if your baby has already been born.

Money-saving tips for families


Basic insurance

Families receive attractive discounts on their children’s basic insurance premiums.

 

Supplementary insurance plans

  • Vital: A needs-orientated supplementary insurance that can be taken out in the Basic, Smart and Premium levels. From cover for important risks to convenient all-round protection. Whatever suits your life and your budget. It pays off twice over!
All money-saving tips

Sanitas magazine: Spotlight on health-related issues