Hi
I don't think anyone has mentioned this yet, but Swisscare is not only good for students/post-docs but also for their family members (lucky me). And though they cater to young people, they still cover all maternity expenses (in which case you don't have to pay upfront for all services, eg delivery); perhaps this coverage is required by the KVG-LAMA scheme, not sure.
Found them to be really appropriate for young people. Beats the heck out of what I was paying (and getting in return) back home!
L.