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Family, pregnancy and the baby

Maternity is one of the few benefits exempt from the deductible. By contrast, the moment you insure the child decides the whole of their insurance life.

Prenatal cover, the only window with no questions

Supplementary cover taken out before the birth is accepted with no health assessment and no exclusions. Taken out after, it goes through a medical questionnaire: a malformation, a premature birth or a stay in neonatal care can then mean a lifetime exclusion on that condition.

It is the single most profitable step of parenthood, it costs nothing while the child is unborn, and it is almost always missed because nobody mentions it during pregnancy.

Pregnancy and orthodontics

From the thirteenth week until eight weeks after birth, scheduled check-ups, scans, delivery and post-partum follow-up are charged against neither the deductible nor the co-payment. A private room and midwife visits beyond those scheduled are not covered by basic insurance.

A child’s orthodontics often runs to several thousand francs, and basic insurance covers none of it outside a recognised malformation. Supplementary dental cover only helps if taken out before the need is visible — that is, years before the brace.

What drives the price

  • When you take out cover: before or after the birth.
  • The number of children, with several insurers granting a discount from the third.
  • The dental cover chosen, absent from basic insurance.
  • The canton, which sets its own subsidy scales for families.

We show no tariffs on this page. Unlike LAMal premiums, no public register publishes prices for this branch: they depend on your profile and are calculated case by case. Quoting a figure here would be an invention.

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