You can never take it for granted that you will fall pregnant naturally, but thanks to advances in medicine there are many options available today. The Planning a Family supplementary insurance plan offers support when you’re trying to conceive.
Perhaps you’ve wanted a baby for a long time, but have been unable to conceive naturally. Or maybe you’re not ready to have children now, but would like to have a good chance of starting a family in the future. The medical options available today help to increase your chances of conceiving. However, these are expensive and only covered to a limited extent under basic insurance. This is where the Planning a Family supplementary insurance plan comes in:
Most women today are between 30 and 34 years old when they have their first child.1 Fertility decreases with age, so the proportion of women who give birth between the age of 35 and 40 after a natural pregnancy is just 19%.2 Hormone treatments and artificial insemination can increase the chances of pregnancy.
For simple hormonal stimulation with drugs in combination with
With in vitro fertilisation
Basic insurance includes cover designed to promote your chances of conceiving. For example, three rounds of artificial insemination in the womb. However, if you don’t fall pregnant by this method, there are other medical options available today. The Planning a Family supplementary insurance plan eases the financial burden if you want to pursue these other options.
How much you can save
Conditions for the Planning a Family plan: These supplementary insurance plans are only available to women from 1 January of the year in which they turn 18 until 31 December of the year in which they turn 35.
The monthly premium for the Planning a Family supplementary insurance plan increases with age as follows:
||18 - 25||26 - 30||31 - 35||36 - 40||41 - 43|
|Premium in CHF
With the Planning a Family supplementary insurance plan, the waiting period for artificial insemination is 24 months from commencement of insurance. This means you have to wait 24 months before you are eligible for benefits. Why?
Family planning takes time
Let’s assume that you and your partner decide to start a family. You first try to fall pregnant naturally for a year. If that doesn’t work, the next steps are:
The costs of these measures are covered under basic insurance, for up to three rounds of artificial insemination in the womb. Then supplementary insurance comes into play. It takes around two years from the decision to start a family to get to this point. Therefore, if you take out supplementary insurance in good time, you can continue with any further treatment straight away. We offer long-term support, because the benefits are fully available to be drawn again after each birth.
If you’re thinking about taking out the Planning a Family supplementary insurance plan, make sure you take the waiting period into account and take out the cover in good time. At the latest when you start planning a family.
The success rate is the most important factor when it comes to determining the quality of a fertility clinic. But it’s not the only thing to consider. You should also feel that you are in good hands and have professional contact persons to answer any questions you may have. We make sure of that for you. The Planning a Family supplementary insurance plan gives you access to the best fertility clinics in Switzerland. Sanitas has selected its partners carefully and covers benefits with the following clinics:
Our partner clinics
When you take out the Planning a Family supplementary insurance plan, you get an Ava bracelet free of charge. This fertility tracker helps you to get a better understanding of your cycle and identify your fertile days more easily than with other methods.
You wear the bracelet at night. Sensors are used to measure the physiological parameters such as skin temperature, resting pulse rate and breathing rate. This way it identifies your fertile days and measures your stress levels, quality of sleep and much more: