We’re 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


  • 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

Vital supplementary insurance

  • Check-ups
  • Gynaecological check-ups
  • Courses or programmes to stop drinking or smoking (every 3 calendar years)
  • Treatments with alternative and complementary medicine
  • Up to CHF 400 for a gym membership
  • Up to CHF 400 for courses focusing on nutrition and mental balance
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 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: 0844 160 160
  • Medical hotline exclusively for expectant mothers and children’s health hotline: 0844 110 110
  • Budget calculator for families
  • Exclusive offers for you and surprise gifts for your baby

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.

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
More on Hospital Extra Liberty

Hospital Top Liberty

  • Private ward with a single room
  • Free choice of doctors and hospitals worldwide
  • Emergencies and elective treatment
More on Hospital Top Liberty

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.

Sanitas magazine: Spotlight on health-related issues