Congratulations! It’s vital that you take care of your health and receive good quality medical care now. We can help you find out what you need in order to make you feel comfortable and help you to prepare for the birth and your baby.
Pregnancy is a special time, but it’s exhausting, too. It’s perfectly normal to worry a lot and question whether the time is right to have a baby. But is there ever the perfect time to have a child? The most important thing is that you look forward to welcoming your baby into the world.
Statutory benefits during a normal pregnancy
Hospital insurance plans
Benefits in the event of normal birth or caesarean section
Hospital
Semiprivate
Private
Maternity facility
If you’re planning to give birth in a maternity facility, please be sure to contact your health insurer in advance to find out whether the costs will be covered.
Supplementary outpatient insurance plans
Why is that important? We cover the costs of maternity check-ups to which you are entitled under basic insurance. You don’t pay a cost share on these maternity benefits.
However, if you go to the doctor for an illness during your pregnancy, you are only exempt from your cost share (deductible and copayment) under basic insurance as of the 13th week of pregnancy. This applies until 8 weeks after the birth. This does not apply to preventive medical care and dental treatment.
At birth, your baby is covered by the mother’s insurance. This insurance covers hospital costs, provided that the baby is born healthy. If, however, the child is born with complications necessitating hospital treatment, the costs are covered by the baby’s health insurance.
With basic insurance
With basic insurance, your baby is treated in a hospital in your canton of residence.
With basic and supplementary insurance
With supplementary insurance, you are free to choose the hospital and doctor providing the treatment. Supplementary insurance plans cover higher costs and additional treatment methods.
There are no special requirements that need to be met for basic insurance. In fact, health insurers are legally obliged to admit your baby to basic insurance. Basic insurance can be taken out up to 3 months after the birth. Insurance cover always applies from birth.
You must apply for supplementary insurance. Health insurers are permitted to accept applications for supplementary insurance at their own discretion, apply restrictions or reject them outright.
Registration before birth
If you take out supplementary insurance for your baby while you’re pregnant, the child will be accepted without a medical exam. Insurance cover takes effect at birth. This applies to the following Sanitas supplementary insurance plans:
* One parent must have held the same hospital insurance plan for at least nine months prior to the application.
Registration after the birth
If you apply for supplementary insurance after the birth of your child, a medical exam is compulsory for all health insurers. Following a successful medical exam, insurance cover applies from the 1st day of the following month. If babies are born with a congenital defect, they are usually either rejected from supplementary insurance cover outright or accepted subject to restrictions.
Congenital defects
Congenital defects are illnesses suffered from birth and detected up to the age of 5. These are clearly defined by the Swiss federal government and include defects such as cleft palate and congenital deafness. Costs for any medical treatment are borne by disability insurance (IV) up to the age of 20.
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:
How much a child costs depends on your financial means. Baby essentials can easily cost a few hundred francs or more. You can save a lot of money by only buying what you really need. Some items can be borrowed from other parents or bought second hand.
Monthly expenditure for a baby
To get a better idea of how things stand now and how your costs may change in the future, we recommend taking a closer look at your income and expenditure.
Key questions
With average to low incomes, it’s often hard to set aside money for you or your children. That’s why it’s all the more important to keep on top of your outgoings. The budget calculator will help you calculate your family’s budget before the birth of your baby.
Have you lost your baby during pregnancy? We’re sorry if you’re in this difficult situation right now. People handle stressful situations differently. Some prefer to keep things to themselves, while others are glad of support.
We’d like to offer you help in this situation, which is why we work together with the specialists at kindsverlust.ch (only available in German). They offer free advice or can help you find a specialist near you.
Medical support and advice
Our partner Hirslanden offers support during your pregnancy and the birth of your child. Find out more about the classes and talks they offer. You’ll find interesting articles written by medical experts in the blog (only available in German).
Make informed choices
The swissmom online platform offers a wealth of useful information for anyone planning a family. You’ll find information on starting a family, pregnancy, birth, babies, children and family. There are also articles aimed specifically at dads.
1 Source: Figures recorded by Budgetberatung Schweiz