Planning a family

Planning a family is a big step. Do you know what’s important when taking out health insurance? We’ll help you find the right solution by giving answers to the most frequently asked questions.

You’ve decided that you’d like to start a family? It’s a big step! We recommend that you give yourself some time and don’t worry if you don’t conceive immediately. Even under optimal conditions, the chances of you falling pregnant in each cycle are “only” 25%.¹

Most women today are between 30 and 34 years old when they have their first child.²

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%.³ Doctors advise all slightly older couples (over 35) to see a doctor if they’ve been trying unsuccessfully for a baby for at least a year.

What costs are covered by basic insurance?

Basic insurance covers the costs of certain treatments or treatments to promote fertility.

Diagnostic tests

Examinations to determine the cause of infertility

Artificial insemination in the womb

Intrauterine insemination (IUI)
Maximum of three treatment cycles

Hormonal stimulation

Drugs on the list of pharmaceutical specialities and in accordance with the terms of insurance
Six to eight cycles of hormone therapy

Acupuncture

Treatment to diagnose or treat an illness and its consequences
Provided by a doctor with further training in TCM acupuncture in accordance with the ASA qualification programme

What costs are covered by supplementary insurance?

Supplementary insurance plans cover higher costs and offer additional benefits for prevention and health promotion.

Planning a Family supplementary insurance

Additional rounds of artificial insemination
Genetic embryo screening and prenatal testing
Access to selected fertility clinics in Switzerland
Option to order a free Ava fertility tacker

All benefits

Classic, Family and Jump

General check-ups
Gynaecological check-ups
Medically prescribed stop smoking treatment
Recognised alternative and complementary medical treatments
Up to CHF 200 towards fitness centre membership

Details of our supplementary insurance plans

Hormonal stimulation

Some supplementary insurance plans cover a number of drugs not on the list of pharmaceutical specialities.

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 are available free of charge to Sanitas customers and 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
Medical hotline exclusively for expectant mothers and children’s health hotline
Budget calculator for families
Exclusive offers for you and surprise gifts for your baby
Attractive discount on the Ava fertility tracker

We’d be delighted to welcome you to the Sanitas maternity services. You can also sign up if you’re not pregnant yet but are planning a family.

Sign up now

Benefits during hospitalisation

If you’re planning a family, it’s a good idea to think about the level of comfort you’d like for any necessary examinations, treatments and during the birth. Are you happy with the benefits available under basic insurance? Or would you like extra cover?

Key questions:

Do you want a senior consultant or a gynaecologist of your choice to be on hand during the birth?
Do you value the comfort and privacy of a single or 2-bed room?
Do you want a free choice of the hospital or maternity facility in which you give birth?

If you answer “yes” to any of these questions, we recommend taking out semiprivate or private hospital insurance before you fall pregnant.

Hospital Extra Liberty

Semiprivate ward with a two-bed room
Free choice of doctors and hospitals among all Sanitas-accredited hospitals in Switzerland
Emergency treatment abroad

Why is it important to take out insurance before falling pregnant?

Because a waiting period may apply for supplementary hospital insurance before your costs are covered. Health insurers offer different waiting periods for maternity. With Sanitas, entitlement to maternity benefits commences 9 months on receipt of the application.

¹Source: Avawomen, The One Thing No One Tells You About Getting Pregnant, 2019

²Source: FSO statistics on births by viability and age of mother, 2019

³Source: FSO statistics on living births by age of mother and canton, 2018

We’re planning a family

What costs are covered by basic insurance?

What costs are covered by supplementary insurance?

Sanitas maternity services

Benefits during hospitalisation

Why is it important to take out insurance before falling pregnant?

Sanitas magazine: Spotlight on health-related issues