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Sophie

Is pregnancy covered?

Yes, in full. And more than that: from the 13th week until eight weeks after the birth, you pay neither deductible nor co-payment. On anything.

What is covered

Basic insurance covers the complete monitoring of an uncomplicated pregnancy, and more still if complications arise.

  • Seven pregnancy check-ups, more for a high-risk pregnancy.
  • Two monitoring ultrasounds, more if needed.
  • The birth, in hospital, in a birthing centre or at home.
  • Three breastfeeding consultations after the birth.
  • A contribution of around CHF 150 towards antenatal classes.

The rule almost nobody knows

Since 2014, from the 13th week of pregnancy until eight weeks after the birth, basic insurance charges you no deductible, no co-payment and no hospital contribution.

And that applies to ALL your care in that period, not only pregnancy-related care. Flu, a broken tooth, an unrelated operation: exempt too. Many women pay bills they did not owe, simply because nobody told them. If that happened to you, claim it back — reimbursement can be requested retroactively.

The newborn needs their own policy

The exemption applies to the mother. The child needs their own contract, declared within three months so that cover runs from the day of birth.

One piece of advice worth having: take out their supplementary cover during the pregnancy or just after. A healthy newborn is accepted without exclusions; the same child six months later, with a condition found in the meantime, can be given a lifelong exclusion.

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