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’d like to start a family at some point, but the time is not yet right. The medical options available today help to increase your chances of starting a family later in life. However, treatment is expensive and only covered to a limited extent under basic insurance. This is where the Planning a Family supplementary insurance plan comes in:
Please note: As standard with supplementary insurance plans, a medical exam is required in advance. You cannot take out this supplementary insurance plan if you have already undergone artificial insemination or have been diagnosed with fertility problems.
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.
With insemination
For simple hormonal stimulation with drugs in combination with
With in vitro fertilisation
With
Basic insurance does include benefits 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 such treatments are necessary. Please note: in the case of artificial insemination, benefits are only paid under the Planning a Family supplementary insurance plan if attempts to conceive naturally have been unsuccessful.
How much you can save
One
Example
The monthly premium for the Planning a Family supplementary insurance plan increases with age as follows:
| Throughout Switzerland |
Age groups |
18 - 25 | 26 - 30 | 31 - 35 | 36 - 40 | 41 - 43 |
| Premium in CHF |
14.40 | 21.90 | 39.10 | 76.60 | 200.00 |
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.
Our recommendation
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.
You should feel that you are in good hands and have professional contact persons to answer any questions you may have. Sanitas covers costs with the following clinics:
The amounts listed are for maximum benefits and, unless specified otherwise, are valid for each calendar year. Benefits are granted only in accordance with the Swiss Federal Health Insurance Act (KVG/LAMal) and the corresponding ordinances, and the general terms of insurance and applicable supplementary terms issued by Sanitas.
The amounts listed are for maximum benefits and, unless specified otherwise, are valid for each calendar year. Benefits are granted only in accordance with the Swiss Federal Health Insurance Act (KVG/LAMal) and the corresponding ordinances, and the general terms of insurance and applicable supplementary terms issued by Sanitas.
