Are you really looking forward to the new life that will soon grow in you and can't wait to finally hold your little darling in your arms?
Perhaps you are planning to start a family soon and want to build a future in Switzerland?
The most important thing that you as an expectant parent are interested in during pregnancy is undoubtedly mothers and babies health protection during maternity. Here you will find helpful tips that will take away your worries and allow you to enjoy your child with ease.
We will provide you with detailed information about the benefits that compulsory health insurance in Switzerland provides during maternity.
Basic insurance in Switzerland covers the most important costs in maternity.
Switzerland saw a steady rise in the birth rate between 2007 and 2017. This is mainly due to the stable economic situation of the attractive region and also to the child and mother-friendly basic insurance, which pays for the crucial and necessary examinations and treatments during motherhood.
Because everyone in Switzerland has to show this compulsory health insurance for stays of three months or more, future small residents will also receive the best medical care from the time they come into being and also after birth.
The basic insurance fundamentally covers the necessary special maternity benefits.
These include the treatments and preventive services performed by midwives or doctors:
- Check-ups during and after pregnancy such as:
Ultrasound examinations, prenatal cardiotographies, the first-trimester test, the non-invasive prenal test, advised amniotic fluid tests and the placenta examination.
- Treatments for diseases:
From the 13th week of pregnancy and 8 weeks after the birth, the basic insurance covers all costs that you incur due to illnesses or complications. Before the 12th week of pregnancy, the rules of your supplementary insurance or health insurance apply.
- Birth preparation courses carried out by midwives or a specialist institution.
Tips:
- You do not have to prepare for birth alone, because the basic insurance makes a contribution of CHF 150 for individual and group courses.
- The stay in hospital during and after birth is also paid for by the compulsory health insurance for mother and child.
- For the birthplace and hospital resident in your canton, your health insurance company will cover the entire costs of the birth, including medical care afterwards.
This includes the absolute assumption of costs without franchise, a deductible or a hospital contribution.
If you decide to go to another hospital that is not in your canton of residence, it is advisable to agree with your health insurer beforehand what is paid and what is not.
Important:
If your little darling has an illness regardless of birth, the child's health insurance automatically pays for the necessary treatments from the first day, taking the deductible into account.
Good to know
Even after birth, basic insurance covers coverage for mother and child. For example, young mothers benefit from home care offered by midwives up to 56 days after birth. Unless otherwise prescribed by a doctor, this consultation includes up to ten appointments. In addition, the services for pregnant women provide the following treatments and advice after childbirth:
- a check-up (six to ten weeks after delivery)
- three breastfeeding consultations by a breastfeeding consultant or midwife
A small tip on the side: In Switzerland there is no relevant case law for the case of a desired Caesarean section. Those who want to be on the safe side can choose the deepest franchise with CHF 300. In this case, the costs remain as low as possible if the health insurance companies do not completely cover the costs for a Caesarean section.
Conclusion
Switzerland ensures good basic care for all pregnant women and their newborns. In addition, the various health insurance companies of course also offer modern and progressive additional benefits and insurance, which, depending on your individual needs, offer supplementary benefits during maternity.
The health insurance comparison is really worth it! Save here now!
