a baby
Help with planning a family
It’s great that you’re taking the step to start a family. We’re happy to help you navigate your health insurance.
Think it's easy to fall pregnant?
It’s normal to need several attempts
You’ve decided that you’d like to start a family? Congratulations! 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
Fertility declines sharply from the age of 30
Many women today want to enjoy life and have a career before starting a family. They’re typically between 30 and 34 years of age when their first child is born.2 However, fertility declines sharply from the age of 30. That’s why only one in five women between the age of 35 and 40 have a child after conceiving naturally.3 The Planning a Family supplementary insurance plan increases your chances of conceiving. The earlier you take out this insurance, the better – due to the waiting period.
1 Source: FSO statistics on births by viability and mother’s age, 2019
2 Source: Human Fertilisation & Embryology Authority, 2017
3 Source: Human Fertilisation & Embryology Authority, 2017
What does health insurance pay towards fertility treatment?
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Basic insurance
Diagnostic tests
- Examination to determine the cause of infertility
Hormonal stimulation
- Medication according to the specialities list and the general terms of insurance
- Six to eight cycles of hormone therapy
Artificial insemination in the womb
- Intrauterine insemination (IUI)
- Maximum of three treatment cycles
Acupuncture
- Treatment to diagnose or treat an illness and its consequences
- Provided by a doctor with specialised training in acupuncture TCM in accordance with the ASA qualification programme
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Supplementary insurance
We support your dream of becoming parents beyond the three treatment cycles covered under basic insurance, because sometimes a little more time and patience is necessary. The Planning a Family supplementary insurance plan offers you the financial security you need for additional treatments.
Key benefits of Planning a Family supplementary insurance
- Costs covered for additional rounds of artificial insemination
- Genetic embryo screening and prenatal testing
- Access to all accredited fertility clinics in Switzerland
- Free maternity services
- Free Daysy fertility tracker
High cost contribution to artificial insemination
One treatment cycle usually costs between CHF 6,000 and CHF 8,000 per cycle, depending on the clinic. However, prices vary from clinic to clinic.
A calculation example for the costs of artificial insemination:
- Three rounds at CHF 6,000 amount to CHF 18,000.
- Sanitas covers 75% of the costs up to a maximum of CHF 12,000.
- You pay CHF 6,000 instead of CHF 18,000.
Vital supplementary insurance: the perfect addition
Perfectly prepared for motherhood: We also contribute towards the cost of a fitness centre membership, nutrition courses and alternative/complementary medicine.
Planning a Family supplementary insurance: for financial security
Our maternity services – from planning a family to the first months with your baby
We offer support and advice all the way from planning a family to your child’s first birthday. The service is available exclusively to Sanitas customers and include:
- Newsletters with helpful information on planning a family, pregnancy and the first months with your baby
- Customer Care Maternity hotline for health insurance advice: 0844 160 160
- Medical hotline exclusively for expectant mothers: 0844 110 110
- Exclusive offers for you and surprise gifts for your baby
Sign up if you’re interested in starting a family.
Planning your hospital stay
When you’re planning to have a baby, you should take care of a few practical details, for example, hospitalisation during pregnancy and childbirth and in the postpartum period:
Do you value the comfort and privacy of a single or two-bed room?
Do you need more than the benefits available under basic insurance?
Is it important to you to be treated by a senior consultant or a gynaecologist of your choice during the birth?
Do you want to be free to choose the hospital or birth centre in which you give birth?
Did you answer yes to any of these questions? If so, we recommend that you take out semiprivate or private hospital insurance before you fall pregnant, because when you take out supplementary hospital insurance, a waiting period applies. For maternity benefits, the waiting period is 9 months from the date the insurance is taken out. Insurance only covers the costs once this period has expired.
Frequently asked questions
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I’m over 40. Can I still take out the Planning a Family supplementary insurance plan?
No. You can take out the Planning a Family plan up to the end of the calendar year in which you turn 35. As with any supplementary insurance, we will ask you to answer health questions beforehand. Based on this information, we will decide whether we can accept your insurance application. Please also note the higher premiums for this age group. You’ll find more information here.
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How much does a spermiogram cost and is it covered by health insurance?
A spermiogram (semen analysis) costs around CHF 130. It is usually covered under basic insurance, provided that all the conditions are met.
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When is it a good idea to see a doctor about infertility?
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.
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Which benefits are covered during a hospital stay
The Planning a Family supplementary insurance plan does not cover the costs of a hospital stay. It is specifically for fertility treatments. But if you’ve taken out supplementary hospital insurance, this will contribute to the costs of a hospital stay.