Do I have to insure a newborn, and when?
The answer
Yes, from birth — and better still before it: registration is compulsory within three months, and cover then applies retroactively from day one. The lowest child premium is CHF 20.50 a month.
Why
Registering during pregnancy has a concrete benefit: for supplementary policies, the insurer cannot impose exclusions on an unborn child. After birth it can, if a health problem is found.
The child may be with a different insurer from the parents, and comparing is worth it: the ranking of insurers for children is not the same as for adults in the same region.
The other questions
- Which is the cheapest health insurer in Switzerland?
- How much does health insurance cost in Switzerland?
- How much does health insurance cost for a child?
- When can I change health insurer?
- Can a Swiss health insurer refuse you?
- Are the benefits the same at every insurer?
- Which deductible should I choose?
- Does the family doctor model really save money?
- Can I remove accident cover from my health insurance?
- What is the difference between the deductible and the co-payment?
- Why does my neighbour pay less than me?
- Why do premiums rise every year?
- How do I cancel my Swiss health insurance?
- What happens if I do not pay my premium?
- How many health insurers are there in Switzerland?
Source: Federal Office of Public Health (FOPH), official premiums.