What costs are covered?
The right health insurance for your baby
Congratulations! Now the adventure can really begin. Find out more about the best insurance for your baby here.
What costs do health insurers cover for babies?
The law states that you have to take out basic insurance for your baby no later than 3 months after birth. However, if you want the best possible insurance cover for your child, it’s best to register your child for supplementary insurance before the birth. This is because, under certain circumstances, the health check is not required for prenatal registration.
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Costs are covered under basic insurance
- Preventive care and check-ups
- Hip sonography for newborns between the age of 0 and 6 weeks by a specially trained doctor
- Vaccinations such as measles, mumps, rubella, diphtheria, tetanus, whooping cough and polio
- CHF 180 per year for glasses/contact lenses with a prescription up to age 18
- Up to 30 sessions with a child psychologist recognised under basic insurance
- Dental treatments are not covered, unless necessary due to a severe, unavoidable condition
- Preventive care and check-ups
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Costs covered under supplementary insurance
Depending on the chosen insurance category – Basic, Smart or Premium – our Vital supplementary outpatient insurance contributes towards the costs of benefits such as:
- Osteopathy and craniosacral therapy by therapists recognised by Sanitas (only with Vital Smart or Premium)
- Milk replacement up to age 2 if the child has an intolerance to natural milk and a medical prescription is submitted
- Depending on the insurance category, CHF 300 or CHF 600 within 3 years for glasses and contact lenses without a prescription
- Orthodontic treatments such as dental braces
- Alternative medical treatments (only Vital Smart and Premium)
- Non-medical psychotherapy (only Vital Smart and Premium)
- Osteopathy and craniosacral therapy by therapists recognised by Sanitas (only with Vital Smart or Premium)
What costs does Sanitas cover?
The Cover Check in the Sanitas Portal shows you at the click of a button which costs are covered by your Sanitas insurance.
Take out dental insurance for children at an early age
Basic insurance does not cover dental treatment – and the costs can put quite a strain on the family budget. Dental offers financial protection.
Take out insurance by your child’s 5th birthday
You can take out the Sanitas Dental supplementary insurance plan for your child without a dental report as long as they are under the age of five. The longer you wait, the greater the risk that the health insurer will raise objections due to possible misaligned teeth. So it’s a good idea to take out insurance early on.
Frequently asked questions
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Are milk pumps covered under health insurance?
Basic insurance currently pays for breast pumps for premature babies or babies who are unable to drink, as well as for babies with malformations or organic diseases. This also applies if the mother has sore nipples, inflammation, breast engorgement, increased or reduced breast milk production, if mother and child have to be separated on medical grounds or if mother needs to be temporarily treated with medication.
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Is osteopathy covered by health insurance for children?
Osteopathy is an alternative method of treatment and is not generally covered under basic insurance. The Vital Smart and Vital Premium categories of our Vital supplementary insurance solution cover the costs of osteopathy. To benefit, the child has to have taken out the Vital plan in one of these categories.
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Are baby swimming classes covered under health insurance?
Basic insurance does not contribute to the costs of baby swimming classes. The Vital Smart and Vital Premium supplementary insurance plans pay a contribution to baby swimming classes within the first 12 months after birth. Please note: contributions to baby swimming classes are covered under a parent’s insurance, not the baby’s insurance.
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Is breastfeeding advice covered under health insurance?
Yes. Basic insurance covers the cost of three breastfeeding advice sessions conducted by a midwife or a specially trained professional.
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Does Sanitas pay a breastfeeding allowance?
No. Neither basic insurance nor Sanitas supplementary insurance pays a breastfeeding allowance.