Pregnancy and birth: what does health insurance cover?

• 7 check-ups and 2 ultrasound scans for a pregnancy without complications
• First-trimester test to calculate the risk of trisomy 21, 18 or 13
• Additional check-ups and ultrasound scans for high-risk pregnancies – for example in case of an increased family or trisomy risk, abnormal ultrasound findings or if the mother is sick.
• CHF 150 towards a childbirth course (individual or group course) conducted by a midwife
  

• Full coverage of costs for hospitalisation on the general ward in a multi-bed room in the canton of residence or in a hospital outside the canton of residence (provided it is on the hospital list of the canton of residence)
• Cover for the baby if it is healthy and remains with the mother in hospital. If the baby is sick, the baby’s insurance covers the costs.
• For an emergency birth abroad: Maximum of twice the tariff of the canton of residence
• Full costs covered for caesarean section
• Birth in a birth centre when it is on the hospital list of your canton of residence. With home births, the costs of a midwife are covered

• 3 breastfeeding advice sessions conducted by a midwife or a specially trained nursing professional
• 1 check-up between the 6th and 10th week after the birth
• 16 visits by a midwife for the first child, 10 visits from the second child

During pregnancy:

• Courses such as antenatal exercise classes, childbirth course (in addition to courses covered by basic insurance) and preparing for parenthood course.

During the birth:

• Birth or adoption daily benefits: From CHF 200 to CHF 1,000 per day and per birth or adoption (see Vital supplementary terms)

After the birth:

• Parent-child gymnastics, once per child and postnatal gymnastics
• Baby swimming in first year
• Neurodermitis parent training, once per child
• Baby and child first aid course, once per child and provided the course is held by a Samaritan association in Switzerland or by the Swiss Red Cross
• 1 extra ultrasound and 1 check-up per pregnancy (provided by a doctor or midwife)
• Milk substitute for children under the age of two who cannot tolerate mothers’ milk, provided this is medically prescribed

Basic insurance covers the cost of hospitalisation on the general ward in a multi-bed room. The Hospital supplementary hospital inpatient insurance plan gives you more privacy, which is important, especially shortly after giving birth.

Your child is admitted to supplementary insurance without a health check and therefore without restrictions. The insurance comes into force after birth. With Sanitas this is only possible for:  

Vital Basic/Smart/Premium

Hospital Standard Liberty 

Hospital Extra Liberty* 

Hospital Top Liberty* 

Hospital Upgrade* 

_{* One parent must have held the same supplementary hospital insurance plan for at least 9 months prior to the application.} 

If you wait until after the birth to apply for supplementary insurance for your baby, your application may be rejected, because a health check is mandatory for supplementary insurance plans. For example, if your baby is born with a congenital defect, it is usually either rejected from supplementary insurance cover outright or accepted subject to restrictions. Congenital defects are covered by invalidity insurance (IV).