What is prenatal insurance?
You register your child with a health insurer during pregnancy, i.e. before it is born. Insurance cover starts automatically at birth. Because the application is made before birth, insurers waive the health check for supplementary insurance.
Why is it worth registering before birth?
After birth, health insurers require a health check for supplementary insurance (VVG). If your child is born with a condition, a malformation or another abnormality, the insurer can reject the application or add an exclusion (reservation). With prenatal registration there is no such check: your child is insured without restrictions from the very first second.
By when do I have to register my baby?
With most insurers, registration is possible until shortly before the expected due date. Ideally, do it in the 5th to 7th month of pregnancy. That leaves enough time for the comparison and for any questions from the insurer, and you are on the safe side even if the baby arrives early.
From when do I pay premiums?
Only from the month of birth. You pay nothing for the period of pregnancy, so registering early does not put you at any financial disadvantage.
What about basic health insurance?
Every insurer must accept basic health insurance (KVG/LAMal) without health questions. If you register your child no later than three months after birth, it applies retroactively from birth. The simplest option is to register basic and supplementary insurance together before birth.
Which supplementary insurance makes sense for a baby?
The most important is supplementary dental insurance with benefits for orthodontic treatment, because braces later on can easily cost several thousand francs. In addition, there is supplementary hospital insurance (general ward anywhere in Switzerland or semi-private) for a free choice of hospital, and supplementary outpatient insurance for transport and rescue costs, complementary medicine and emergencies abroad. On request, we also look at lump-sum (capital) insurance in the event of illness or accident.
Does my baby have to be with the same insurer as us parents?
No. You can freely choose the insurer for your child. However, some insurers grant family discounts if several family members are insured with them. We compare both options for you.
What do you need for the registration?
The expected due date as well as the name, address and date of birth of one parent. Some insurers also require confirmation of the pregnancy, for example from the gynaecologist or midwife. After the birth, you send in the child's name and date of birth.
