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Old 28.01.2008, 11:48
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Help! Pregnant [Where to go? Insurance etc.]

Hello, I am new here. I have been reading in the forum since I arrived into Switzerland (3 months ago) and your help has been really great for me.

Now, I am completely lost because I have just found out I am pregnant and I have no clue on where to go or how much it cost to deliver a baby here. Can anybody help?

I live very near Lausanne and I know there is a big university hospital there with a maternity section. Does anybody have experience with it?

Also, I have a private insurance where I am reimbursed for the medical expenses with some restrictions. Does anybody know the cost of delivering a baby in Switzerland?

Thanks in advanced.
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Old 28.01.2008, 11:54
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Re: Help! Pregnant [Where to go? Insurance etc.]

First off, congrats !!!!

Secondly, here ae a couple of previous threads that should help you :

Health Insurance FAQs

http://www.englishforum.ch/family-ma...s-stories.html

Good luck

P
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Old 28.01.2008, 11:58
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Re: Help! Pregnant [Where to go? Insurance etc.]

It should be covered by your insurance, you certainly wouldn't want to pay it yourself, it will be tens of thousands of CHF.

Don't panic, get an appointment at the hospital, you can always change later on in the pregnancy.
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Old 01.02.2008, 11:34
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Re: Help! Pregnant [Where to go? Insurance etc.]

I also have private insurance (through my husband's work) and for prenatal appointments we've had to pay out of pocket and then insurance reimburses us 90% of the cost. My appointments have come out to between 200-500chf each, including bloodtests, ultrasounds, etc. We were looking at the money program last night and I think in total we've spent about 5,000chf on this pregnancy (again, getting reimbursed 90% of that).

As for the birth itself, your insurance can probably arrange for a direct payment with the hospital you choose so you don't have to pay that cost and wait to get reimbursed, though this will be something to keep in mind as you choose where to give birth. I recently found out that my insurance has connections already set up with the private clinics here in Geneva, but we had to do a special request for the public hospital (go figure). Hopefully we will not be needing a hospital at all though, since I plan to give birth at a local birthing center...

You may want to start thinking about the kind of birth you want now, so that as you choose an OB and/or midwife you can make sure they agree with your vision. I wound up having to switch at 27wks from my OB (who saw no need for giving birth in any position other than flat on your back on a table-- which is arguably the WORST position to labor and give birth in!) to my current midwife at the birthing center. I know it's overwhelming right now, but something to keep in mind as you start to figure things out here.

Good luck!!
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Old 01.02.2008, 11:35
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Re: Help! Pregnant [Where to go? Insurance etc.]

PS- I'm in Geneva, btw, not sure if the costs will be the same for Lausanne...
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Old 01.02.2008, 11:55
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Re: Help! Pregnant [Where to go? Insurance etc.]

Hi Carol

I'm pregnant and living in Lausanne. I think that with most private insurance companies,all maternity cost are covered. Contact an insurance agent and they will be able to help you out best.

Thanks and good luck.

Raksha
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Old 01.02.2008, 12:20
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Re: Help! Pregnant [Where to go? Insurance etc.]

Hi Carol,

I arrived in Lausanne last May, 4 months pregnant and only US insurance that had an upper limit on the amount they would pay for pre-natal appointments and the birth itself. This limit ($5000 for natural delivery and $7500 for c-section) was nowhere near the amount it ended up costing. I checked out the following hospitals: CHUV (the big university hospital in Lausanne), Morge Maternity Hospital (again public) and Clinique de La Source (private, in Lausanne). I am happy to give you a rundown on my thoughts on each of them if you need it.

I had a planned c-section and these are the prices each of the quoted for this procedure: CHUV 18,000CHf, Morge 10,000CHf, Clinique de La Source 13,000CHf. These were all based on private room, everything included.

I am not sure what your insurance situation is but in order to get our residency permit we were told by the government here to give up our US insurance at the end of its current term and purchase local health insurance. When I started looking into Swiss insurance a few weeks before I was due to give birth, I found out that even if I took out swiss insurance at that very late stage, they would still cover part of the costs for the birth. So I ended up claiming the $7,500 from my US insurance and the local insurance pitched in something like 3,300CHf and my out of pocket expenses ended up being a bit over 1500CHf. Bare in mind though that in the canton of Vaud you are given a 1500CHf payment on the birth of each child which is paid to my husband with his salary. So in the end, even though the birth was incredibly expensive, we ended up being able to cobble together enough insurance and govt refunds to make it pay for itself.

If you have a natural birth and are happy to be on a general ward and don't want your own ob/gyn I think that local insurance will cover everything. Even if you take it out just before you give birth.

I gave birth at Clinique de La Source in the end. My ob/gyn worked out of there and I liked and trusted him. The actual experience at the hospital was great but I had some troubles with their finance dept and getting the appropriate paperwork I needed to make the claims on the US insurance (they are used to dealing directly with the insurance companies). It all worked out in the end though, it was just a hassle I didn't need with a newborn.

Feel free to contact me if you need any more advice or info. I know it seems overwhelming but it will all be worth it in the end. Good luck.
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Old 01.02.2008, 12:30
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Re: Help! Pregnant [Where to go? Insurance etc.]

Hello there,

I delivered my baby in Lausanne 4 months ago so still got a fresh memory. However, I might not have lots of information to give as most monetary arrangement is done by my husband....

-I delivered the baby in Clinic Cecil (a private hospital). Like the other member said, you need to check with your insurance agent on the type of coverage you have cos say either in private hospital, there might still be 2 bed in a room or single room, no. of ultrasound you're entitled during the whole course of pregnancy, childbirth class etc etc

-you will need to visit your doctor once a month during pregnancy. Each visit i pay around 300Sfr including blood test.

-i don't know the hospital bill as it's paid directly by the insurance agency (that's why you need to check as i mentioned) but food & beverage during your stay definitely NOT count.

-you need to decide the hospital you're planning to stay asap so that they could book your name in record.

-other than the above, I couldn't think of any extra cost to be incurred in related to pregnancy. (especially the bill on baby spending would be far much higher

i guess it's your first baby and if you want more details other than insurance, e.g. type of food for pregnant woman, books etc feel free to drop me a message and I'd be pleased to answer.
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Old 01.02.2008, 12:36
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Re: Help! Pregnant [Where to go? Insurance etc.]

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Hi Carol,

I arrived in Lausanne last May, 4 months pregnant and only US insurance that had an upper limit on the amount they would pay for pre-natal appointments and the birth itself. This limit ($5000 for natural delivery and $7500 for c-section) was nowhere near the amount it ended up costing. I checked out the following hospitals: CHUV (the big university hospital in Lausanne), Morge Maternity Hospital (again public) and Clinique de La Source (private, in Lausanne). I am happy to give you a rundown on my thoughts on each of them if you need it.

I had a planned c-section and these are the prices each of the quoted for this procedure: CHUV 18,000CHf, Morge 10,000CHf, Clinique de La Source 13,000CHf. These were all based on private room, everything included.

I am not sure what your insurance situation is but in order to get our residency permit we were told by the government here to give up our US insurance at the end of its current term and purchase local health insurance. When I started looking into Swiss insurance a few weeks before I was due to give birth, I found out that even if I took out swiss insurance at that very late stage, they would still cover part of the costs for the birth. So I ended up claiming the $7,500 from my US insurance and the local insurance pitched in something like 3,300CHf and my out of pocket expenses ended up being a bit over 1500CHf. Bare in mind though that in the canton of Vaud you are given a 1500CHf payment on the birth of each child which is paid to my husband with his salary. So in the end, even though the birth was incredibly expensive, we ended up being able to cobble together enough insurance and govt refunds to make it pay for itself.

If you have a natural birth and are happy to be on a general ward and don't want your own ob/gyn I think that local insurance will cover everything. Even if you take it out just before you give birth.

I gave birth at Clinique de La Source in the end. My ob/gyn worked out of there and I liked and trusted him. The actual experience at the hospital was great but I had some troubles with their finance dept and getting the appropriate paperwork I needed to make the claims on the US insurance (they are used to dealing directly with the insurance companies). It all worked out in the end though, it was just a hassle I didn't need with a newborn.

Feel free to contact me if you need any more advice or info. I know it seems overwhelming but it will all be worth it in the end. Good luck.
Mel07,

I'm also in the Canton of Vaud, I think you're talking about 150SFr to be paid with husband salary (cos this is the amount my husband got after my delivery) and NOT 1500.......
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Old 01.02.2008, 12:56
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Re: Help! Pregnant [Where to go? Insurance etc.]

Hi Muffin,

You get an extra child benefit per month of a smaller amount (less than 200CHf off the top of my head) but you definitely get a lump sum one-off payment of 1500CHf. I have checked it with other mums here in Lausanne and they also got it. The payment was due to go into my husband's salary this month so I will check whether it has been paid. You should talk to your husband's employer about it (assuming you are not working yourself).
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Old 01.02.2008, 14:21
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Re: Help! Pregnant [Where to go? Insurance etc.]

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Hi Muffin,

You get an extra child benefit per month of a smaller amount (less than 200CHf off the top of my head) but you definitely get a lump sum one-off payment of 1500CHf. I have checked it with other mums here in Lausanne and they also got it. The payment was due to go into my husband's salary this month so I will check whether it has been paid. You should talk to your husband's employer about it (assuming you are not working yourself).

it's actual my 'first baby' but i'm certain that my husband hasn't got that 1500 one-off payment. (and I'm not working at all). Do you know if it's basing on the salary level or type of company the father is working? if it's an 'universal offering', which government office should he contact pls?
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Old 01.02.2008, 14:53
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Re: Help! Pregnant [Where to go? Insurance etc.]

I believe it is a universal payment from the canton to your husband via his company. The company has to make the application which your husband then signs and the company lodges the application with the canton. This is the way it was done with our payment. If you don't have any luck getting information from your husband's employer, let me know and I will see if I can track down further information for you. Although, I would think that your local commune may be able to help.
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Old 01.02.2008, 14:57
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Re: Help! Pregnant [Where to go? Insurance etc.]

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i'm certain that my husband hasn't got that 1500 one-off payment.

Has he come home with any new gadgets recently?
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Old 01.02.2008, 15:49
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Re: Help! Pregnant [Where to go? Insurance etc.]

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Has he come home with any new gadgets recently?
haha. Yes --latest version of ipod
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Old 04.02.2008, 09:50
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Re: Help! Pregnant [Where to go? Insurance etc.]

Thanks to everyone! I feel a bit better knowing I am not the only one... I have found out my insurance would cover 90% of the expenses, so it is fine. The maximum I would pay is 2,000CHF so I can cope with it.

Has anyone have gone to the CHUV hospital in Lausanne, I have good references of it but I am a bit worried about their policy with episiotomy/cesarea/epidural anesthesia. I would very much like a more natural way.

Still, I am worried that if I go to a small clinic, in case of emergency they do not have the capacity to attend the baby.

Any advice with this? I am sorry but I come from Spain, no idea how maternity is treated here, too much "hospital" like? Or more "human" like? There are huge differences in my country and I wonder how it is here.

THANKS again girls, you are making my life MUCH easier!
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Old 04.02.2008, 11:04
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Re: Help! Pregnant [Where to go? Insurance etc.]

Hi Carol,

I think CHUV is a public hospital..so might be your insurance doesn't cover private hospital????

I delivered my baby in private hospital but could give you further info as point of reference...

- I have virginal birth but using epidural anesthesia. Here, gyn always recommends virginal birth so if cesarea is really needed, it's either a) gyn will advise you in advance during your pregnancy and that the hospital could arrange in advance; b)during your delivery ....but the hospital normally have the facilities there.

- As for epidural, it is done by specialist and there should always one on duty in the hospital. (I'm not sure if I understand your mail on this as epidural has no conflict with virginal birth, I found it very good actually...)

-regarding the 'emergency", i have no experience on that (thanks God) but according to the mid-wife during my childbirth class, there is a standard here that certain issues have to be centralised in certain public hospital .

Actually, another things you might need to note according to my experience - you need to look for a peditrician as early as possible (esp. if you want an english speaking one and to be close to where you live). I did the search 3 months before delivery and was told my preferred one is completely full....
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Old 04.02.2008, 21:07
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Re: Help! Pregnant [Where to go? Insurance etc.]

Thanks for this info.

My insurance covers private hospital but I relly have no idea where to go. Private or public. Is private better? Can you recomend me a good gynecologist who speaks English in the area? I should really start visiting some centers, the problem is my french. It is a bit frustrating trying to comunicate when I am unable to say 3 words together in French!

What is the name of the clinic where you had your baby? Would you mind telling me?

And if you can recomend me a pediatrician in the area who speaks English and is of your confidence... well, might be a bit too son but would be great help as well!

Really, I hope you know how much you are helping us....
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Old 04.02.2008, 23:46
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Re: Help! Pregnant [Where to go? Insurance etc.]

Hi Carol,

I fully understand your situation in which I was a year ago. (by the way, I can't connect two words in French so is worse than you

About the question, I suggest you to visit another thread posted by "langkawi06" called "help need to find an OBGYN in Montreux/vevey area"...it happens to be around the similar subject you want GYN, clinic and I'm currently active in communicating too. There're a few of gyn name recommending by other members too. (it's never too early to find a peditrician due to the demand & supply here)

if you still want a lot more details, you could drop me a 'private reply' ....

cheers
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Old 30.06.2009, 16:51
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Re: Help! Pregnant [Where to go? Insurance etc.]

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PS- I'm in Geneva, btw, not sure if the costs will be the same for Lausanne...
Hi, did you get this 1500 CHF lumpsum amount in Geneva canton too?
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Old 30.06.2009, 16:58
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Re: Help! Pregnant [Where to go? Insurance etc.]

I thought maternity care and obstetrics were covered 100% by the compulsory insurance? Mine certainly was when I had my daughter in Geneva (albeit in the Cantonal Hospital not a private one). I was reimbursed every cent. Is it diffferent in Lausanne?
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