N.B. The 12 month wait period for maternity only applies to supplementary insurance. You would still be covered for birth in a public hospital through basic (without excess or quote-part to pay).

It also only applies to the BIRTH and NOT date of conception.

i.e. your insurance begins on 1st of January. You take out semi-private hospitalisation.

You find out you are pregnant in June. You will give birth around March time.

That is fine. You would be covered under the semi-private if you so wish.

Now, if we take the same case and you find out you are pregnant in January - say, 2 days after you sign the proposition answering the question "are you pregnant" by a "no" - you would STILL be covered under basic. No probs.
This is also true of people that are already pregnant when they arrive in the country and need to take out health insurance.

So, the only difference is under supplementary.

That is also why it is not surprising to see that the student insurances cover it. They no doubt have to by law.

I work with studentcare insurances as they are the only ones linked with a Swiss health insurance company. However, you have to be under 30.