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Old 22.11.2014, 19:33
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Pregnancy and insurance?

PREGNANCY AND INSURANCE
I understand that 'basic' pregnancy care is fully covered by health insurance, i.e. you do not even pay deductibles or copayments. 'Basic' meaning something like 5-7 gyno visits, 2-3 ultrasounds, blood tests and normal delivery.
BUT, if more medical care is needed (e.g. emergency/necessary C-section, etc) who pays for it? Would the normal deductible and co-pay of my insurance then become applicable?
Many thanks,
Marguerite
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Old 24.11.2014, 14:46
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Re: Pregnancy and insurance?

Hello!

The law changed in March of this year - now if more medical care is needed it is paid in full by the insurance company! Great news, because before even if you needed iron supplements it was considered sickness and not pregnancy, thus meaning you had to pay as normal. One thing to note is that a pregnancy is only a pregnancy from 8 weeks... strange I know!

Here is a link in English, question number 8 explains what I have just mentioned:
http://www.bag.admin.ch/themen/krank...x.html?lang=en

Hope that helps!
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Old 24.11.2014, 16:06
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Re: Pregnancy and insurance?

Hi, I have a related topic. Iím considering changing my insurance company. There is a basic reason Ė I would like to have a baby soon. So basically I want to reduce my franchise because Iím expecting a lot of appointments at doctorís.

Somebody recommended me Assure but Iíve read in some threads that there are some restrictions about covering the costs related to pregnancy. Iím not good at German so I cannot find it mentioned on their website.

Do you know or do you have your own experience?
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Old 25.11.2014, 13:50
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Re: Pregnancy and insurance?

Hello Venique,

If the only reason you are looking to change your franchise is because of pregnancy, there is notneed. All (100%) of costs are covered for pregnant woman as per the link in my reply to Marguerite. This means these costs are paid even if you haven't reached your franchise for the year and you do not need to pay the normal 10%. I can attest to this as I had a baby in Switzerland earlier this year!

Again, the law has also changed since March 1st of this year so posts that are older than that may no longer be correct. Also coverage should not differ from one insurer to another as this is stipulated by federal law. One thing to know about Assura is that you must first pay the bills and then they reimburse you, this is how they save costs. With a pregnancy you have a lot of bills, so good to keep this in mind when deciding.
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Old 07.12.2014, 07:29
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Re: Pregnancy and insurance?

Hi all,

Thank you for the thread and replies as it has already helped greatly. My wife and I are moving from South Africa to Locarno in January as I have accepted employment there. I have only one concern. This week we found out my Wife is about 5 weeks pregnant this is great news for us and hope all goes well as we have had to miscarriages this year already........back to my concern. We arrive in Swiss with my wife going to be about 13 Weeks pregnant....will the insurance providers have a problem with us joining ? In South Africa some insurance providers would not accept covering the pregnancy as it would be deemed a pre existing condition?

Lastly where is best to look for insurance providers? I have looked at comparison.ch but is it best to try find a insurance broker on arrival in Swiss?

Thank you again for the info.
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Old 07.12.2014, 12:38
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Re: Pregnancy and insurance?

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Hi all,

Thank you for the thread and replies as it has already helped greatly. My wife and I are moving from South Africa to Locarno in January as I have accepted employment there. I have only one concern. This week we found out my Wife is about 5 weeks pregnant this is great news for us and hope all goes well as we have had to miscarriages this year already........back to my concern. We arrive in Swiss with my wife going to be about 13 Weeks pregnant....will the insurance providers have a problem with us joining ? In South Africa some insurance providers would not accept covering the pregnancy as it would be deemed a pre existing condition?

Lastly where is best to look for insurance providers? I have looked at comparison.ch but is it best to try find a insurance broker on arrival in Swiss?

Thank you again for the info.
Welcome to Switzerland. Your wife will get basic/compulsory insurance and the costs will be covered as per this link - http://www.bag.admin.ch/themen/krank...x.html?lang=en. You will not get pregnancy cover in supplementary insurance though - so no private/semi-private rooms etc.

Comparis.ch is a good place to start, the other place I would recommend is - http://www.priminfo.ch/praemien/index.php?sprache=d. You can change the language as you wish. I like this over Comparis as there have been reports that Comparis is paid and sometimes puts those insurance services above the ones that you might choose.
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Old 07.12.2014, 14:29
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Re: Pregnancy and insurance?

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Hello Venique,



If the only reason you are looking to change your franchise is because of pregnancy, there is notneed. All (100%) of costs are covered for pregnant woman as per the link in my reply to Marguerite. This means these costs are paid even if you haven't reached your franchise for the year and you do not need to pay the normal 10%. I can attest to this as I had a baby in Switzerland earlier this year!



Again, the law has also changed since March 1st of this year so posts that are older than that may no longer be correct. Also coverage should not differ from one insurer to another as this is stipulated by federal law. One thing to know about Assura is that you must first pay the bills and then they reimburse you, this is how they save costs. With a pregnancy you have a lot of bills, so good to keep this in mind when deciding.

I have had Assura for both babies and almost all bills were billed directly to the insurance company. I had maybe 3 that were out of pocket (and cheap) so it wasn't so bad to pay and then get reimbursed.
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Old 07.12.2014, 14:50
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Re: Pregnancy and insurance?

taking insurance when you arrive already pregnant does not preclude you from a half/private room - you just are limited as to what supplemental policies will cover.

you can always pay for the room out of your own pocket
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Old 07.12.2014, 16:37
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Re: Pregnancy and insurance?

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taking insurance when you arrive already pregnant does not preclude you from a half/private room - you just are limited as to what supplemental policies will cover.

you can always pay for the room out of your own pocket
ah yes, I should have clearly written no insurance cover for private/semi-private room, you will have pay for it yourself.
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Old 07.12.2014, 22:54
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Re: Pregnancy and insurance?

but with the private room if someone else gives birth who has full private insurance and there are no rooms left you may be moved. this is what happened to me.. I had one night in a private room which i paid for but then was moved as they were busy and a private lady needed the room so if this is important for you to have a single room make sure your insurance covers this.
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Old 24.01.2015, 20:51
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Re: Pregnancy and insurance?

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Hello!

The law changed in March of this year - now if more medical care is needed it is paid in full by the insurance company! Great news, because before even if you needed iron supplements it was considered sickness and not pregnancy, thus meaning you had to pay as normal. One thing to note is that a pregnancy is only a pregnancy from 8 weeks... strange I know!

Here is a link in English, question number 8 explains what I have just mentioned:
http://www.bag.admin.ch/themen/krank...x.html?lang=en

Hope that helps!
Hi Petitabricot, Does it mean that if I have my first pregnacy check up at 7th week, then the cost is not covered from my health insurance?
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Old 25.01.2015, 09:39
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Re: Pregnancy and insurance?

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Hi Petitabricot, Does it mean that if I have my first pregnacy check up at 7th week, then the cost is not covered from my health insurance?
You should check with your specific insurer; but yes we were told the same but I had to go at 7 weeks for a check up as I was bleeding but our medical insurance (Assura) covered it unexpectedly.
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Old 03.02.2015, 23:15
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Re: Pregnancy and insurance?

I'm curious to know from those that have experience with basic insurance and no private or semi-private rooms, what's the most number of people that you would have to share the room with?
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Old 04.02.2015, 14:11
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Re: Pregnancy and insurance?

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i'm curious to know from those that have experience with basic insurance and no private or semi-private rooms, what's the most number of people that you would have to share the room with?
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