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Old 01.05.2021, 22:24
doropfiz doropfiz is offline
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Re: Health insurance for a newborn?!?

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How it was explained to us. You should take out the basic insurance and then the max complimentary package prior to the birth.

After the birth you can cancel or adjust the complimentary as required.

The logic being, if there are any issues or complications at birth and the baby doesnt have the complimentary insurance to cover this, they will never have it as the insurance wont accept to cover a known issue.

And with this logic in mind, if there was any issue, you will never be able to change the complimentary insurance, it will only be covered by the provider that covered you at birth. So dont go for providers that give you a great lead in deals but are unreasonable after the first year. You really should look at the full price no offer conditions and pick one you would accept that you could be stuck with for a long time.

It sounds all negative but it really is just business, and how the Swiss system works
And this.
Get the quotes for the obligatory basic. At the very least, buy this before Baby is born. Also get quotes for the extras. If you can afford those extras for, say, one year, then buy them before Baby is born.

Then you can learn who Baby is and what the needs are, and understand more about the Swiss insurance system, as you go along. You might just be soooo glad to have those extras! However, if you decide against them, later, you can reduce Baby's insurance down to closer to the obligatory basic.

In fact, this is a good idea for adults, too, until you understand how things work, here.
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