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.
For simple hormonal stimulation with drugs in combination with
With in vitro fertilisation
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
On 11 November 2020, Sanitas won the special prize at the Innovationspreis der Schweizer Assekuranz (Swiss insurance innovation prize) for its Planning a Family supplementary insurance. The jury praised in particular the fact that Sanitas is proactively addressing a delicate subject that is often still taboo today.
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.
Once you’ve taken out the Planning a Family supplementary insurance plan, you can order the Ava fertility tracker free of charge. You’ll receive information on the order process once your contract has commenced. The Ava fertility tracker helps you to get a better understanding of your cycle and identifies your fertile days more easily than 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:
Femtech start-up Ava has published a white paper with information on the extent to which a fertility tracker and the partnership between Ava and Sanitas can have a positive impact on rising health costs.