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-   -   Birth experience in Swiss hospitals/clinics -advice/tips/stories? (https://www.englishforum.ch/family-matters-health/2331-birth-experience-swiss-hospitals-clinics-advice-tips-stories.html)

panamahat 29.01.2007 13:57

Re: Birth experience in Swiss hospitals/clinics -advice/tips/stories?
 
that's interesting. . .

I know a couple arrived here a few years ago.

The wife was already pregnant and was told she would not be covered by Swiss Insurance for the birth of her baby.

She opted to travel back to the UK as there was no way they could " afford " to have the baby here in Switzerland. . .

Lou 29.01.2007 13:59

Re: Birth experience in Swiss hospitals/clinics -advice/tips/stories?
 
Quote:

Originally Posted by panamahat
that's interesting. . .

I know a couple arrived here a few years ago.

The wife was already pregnant and was told she would not be covered by Swiss Insurance for the birth of her baby.

She opted to travel back to the UK as there was no way they could " afford " to have the baby here in Switzerland. . .

That is not my understanding of Swiss insurance. By law you must be covered by the basic level of insurance which includes giving birth so as long as you are here legally with a permit then the insurance company must cough up.

panamahat 29.01.2007 14:01

Re: Birth experience in Swiss hospitals/clinics -advice/tips/stories?
 
They were refused insurance by the swiss health insurance companies as the wife was pregnant "before" she entered Switzerland. .

Perhaps the regs have changed since then . . .

wannabe+ 29.01.2007 14:14

Re: Birth experience in Swiss hospitals/clinics -advice/tips/stories?
 
One thing i have learnt since arriving is that laws and what is allowed and not allowed seems to differ from Zurich to Geneva and even from Canton to Canton so you may find one thing applies here and another applies somewhere else in CH.

panamahat 29.01.2007 14:19

Re: Birth experience in Swiss hospitals/clinics -advice/tips/stories?
 
Quote:

Originally Posted by wannabe+
One thing i have learnt since arriving is that laws and what is allowed and not allowed seems to differ from Zurich to Geneva and even from Canton to Canton so you may find one thing applies here and another applies somewhere else in CH.

Indeed, that's always been the case...

This was back in 97. . . . .

Doc 01.02.2007 02:55

Re: Birth experience in Swiss hospitals/clinics -advice/tips/stories?
 
Quote:

Originally Posted by wannabe+

I am positive that you can come to CH pregnant and get the higher cover as I know of quite a few expats who have done this. You get what you pay for in terms of insurance, what i mean is that if you arrive pregnant than you can get the higher, complimentary insurance option, so long as you pay the higher premium. It is probably worth it though as i have priced the option of using basic insurance and still going to a clinic and the difference you would have to pay is 5400chf extra, over and above what the basic insurance covers, for the hospital stay and this does not include the OB\GYNs rate for the delivery. :msnshock:

Thanks for all the info everyone, sounds like it varies by insurance company. Wannabe what is your insurance company, might be worth starting with them. Anyone else that would recommend their company please advise?

Cheers,

Dan

wannabe+ 01.02.2007 07:59

Re: Birth experience in Swiss hospitals/clinics -advice/tips/stories?
 
Yes, you will probably find it differs by insurance company. Mine is Groupe Mutuel. www.groupemutuel.ch. Good luck :)

joeyandmum 19.02.2007 18:21

Re: Birth experience in Swiss hospitals/clinics -advice/tips/stories?
 
not that we've given birth yet but have just started to look into it. although i don't see anything for geneva, there are 2 in Lausanne not far away...Clinique Cecil and Bois Cerf. Being Hirslanden clinics apparently these allow water births etc if you can afford it ; )

rachvdg 20.02.2007 13:58

Re: Birth experience in Swiss hospitals/clinics -advice/tips/stories?
 
I just wanted to reply and give an update...

We have insurance with Groupe Mutuel and they are really great- we haven't had any problems with them and they have paid for everything we have sent them concerning the pregnancy and upcoming birth. I think our policy is based in Schaffhausen though, as that is where my husband is registered, even though we are living here in Geneva as a second residency...so that might make a difference in terms of what they are willing to do? Although the insurance policy he has is through his workplace here in Geneva, so not sure exactly how that affects things....but anyway, its all working out great!

Wannabe mentioned that the french speaking part of switzerland is not very receptive to natural birthing methods or home births or water births and she is generally right - at least from the perspective of doctors and hospitals/cliniques....

However, we have been very blessed to make contact with the midwives at the Arcade Sages Femmes in Geneva and there are about 6 midwives there who specialise in home births and they are all fabulous and very supportive. Our midwife is quite happy for us to have a water birth at home, as long as there are no major complications, in which case we can easily transfer to the cantonal hospital which is only about 5-10 minutes away. So that is great.

Groupe Mutuel (The insurance company) have even agreed to pay for the rental of a birthing pool that we will be using at our home birth because we have private/complimentary insurance and if we opted to go to a clinique it would cost them a LOT more than us doing it at home. So they have obligingly agreed to carrying all the home birth costs, and they will also cover any additional visits by the midwife after the birth to monitor on recovery etc...over and above the standard amount. (which from what we found out from Groupe Mutuel was only 3 visits...so they have increased it to 10 for us).

So if you are looking for a good insurance company I would totally recommend Groupe Mutuel cause they really have been very good to us...just call and talk to them and you never know what they might do!

Good luck with everything!!

I am due anytime in the next 2-4 weeks and am looking forward to it all now that we have everything sorted :-)

MaKita 15.08.2007 13:35

Re: Birth experience in Swiss hospitals/clinics -advice/tips/stories?
 
:confused:
Hi , well am new on this, my husband and I , we are waiting our first child, we supposed to have our child in the middle of february, we still i dont know were, the reasons... well i dont speak german, i just speak spanish and like you can see a little of english so search information on internet dont help to much.
We live in Zürich kanton (in a little town Thalwil) and i already have a doctor, she in the last check of the baby, she ask me were we wanna gave birth our baby, and i really dont know...
How work all here?, since march i have my ensurance with the company avanex and i have the product Top krankenplefe zusatzvers , and hospital Eco.
Well i still dont know how much cover and were we can go, also i dont know if I just go to any clinic or my doctor have so search one i can go.
please if someone know how this work,
thanks a lot

neerajana 15.08.2007 19:44

Re: Birth experience in Swiss hospitals/clinics -advice/tips/stories?
 
Hi. I moved to Geneva when I was 2 months pregnant. Since I was a pre- existing pregnancy case I could not get insurance for delivery in the private hospital. SO have gone for basic plus complimentary insurance. It means I can see a private dr. for tests and consultation in Geneva but my delivery has to be in the general hospital ward ( for this alone my monthly premium is about 600 CHF!!).

It is very scary as my regular dr. is not allowed to perfrom surgery in the hopsital so it will have to be who ever is on duty that day!!! So far I am going to Clinic Beaulieu, a couple of friends had delivery there and are very happy. I even spoke to some local moms at my daughters school and they were quite happy with the HUG maternity ward also. So I guess both options should be fine , obviously the private clinics have a lot of other facilities which are not there in the general hospital but then it is very expensive, so unless u are covered by insurance it is pretty unaffordable.
One friend told mne that u have to be registered with the insurance company for atleast a year before being pregnant to avail of the complete insurance. I am not sure of this info though. You can try and call a couple of insurance comapnies for details.

Quote:

Originally Posted by Doc (Post 32714)
This is a great thread, thanks to everyone for the detailed info, we are looking at moving to Geneva and are 3 months prenant. I was wondering what to expect relative to the health insurance issue, does anyone have any more details on what to expect moving to Switzerland already pregnant? What would be basic versus extra?


Blonaybear 15.08.2007 20:05

Re: Birth experience in Swiss hospitals/clinics -advice/tips/stories?
 
Quote:

Originally Posted by neerajana (Post 93377)
One friend told mne that u have to be registered with the insurance company for atleast a year before being pregnant to avail of the complete insurance. I am not sure of this info though. You can try and call a couple of insurance comapnies for details.

This only refers to the complimentary insurance, not the basic.

Richard 16.08.2007 08:42

Re: Birth experience in Swiss hospitals/clinics -advice/tips/stories?
 
Quote:

Originally Posted by MaKita (Post 93233)
:confused:
Hi , well am new on this, my husband and I , we are waiting our first child, we supposed to have our child in the middle of february, we still i dont know were, the reasons... well i dont speak german, i just speak spanish and like you can see a little of english so search information on internet dont help to much.
We live in Zürich kanton (in a little town Thalwil) and i already have a doctor, she in the last check of the baby, she ask me were we wanna gave birth our baby, and i really dont know...
How work all here?, since march i have my ensurance with the company avanex and i have the product Top krankenplefe zusatzvers , and hospital Eco.
Well i still dont know how much cover and were we can go, also i dont know if I just go to any clinic or my doctor have so search one i can go.
please if someone know how this work,
thanks a lot

Where you can go depends on your insurance policy. They usually have a list of hospitals where you can give birth. If the birth is likely to be straightforward go to one near to where you live. If the birth is likely to be complicated or the child has problems then go to one with the best prenatal care In Zurich this is probably the unispital www.usz.ch. Pay them a visit they expect this. You can also go to Tremli http://www.stadt-zuerich.ch/internet/triemli/home.html. Note that both of these have maternity wards. When you let them know in advance they can **usually** provide you with a midwife who speaks your language. They cater for this well providing midwifery often in, all Swiss languages, Enlgish, Spanish, Turkish and slavic languages

Lob 16.08.2007 09:07

Re: Birth experience in Swiss hospitals/clinics -advice/tips/stories?
 
Triemli is an EXCELLENT choice. The maternity island they have has a maximum of two beds per room - so not being P1 doesn't matter too much.

I know quite a few people who've given birth there (or been born there, if you look at it that way). I even know repeat customers - and I think most of the serious stuff took place in English (just the occasional nurse did not speak English).

This is fairly indicative of most places in Zurich - so hopefully this puts your mind at ease.

Mommy2be 24.08.2007 23:12

Re: Birth experience in Swiss hospitals/clinics -advice/tips/stories?
 
Hi all! Now I am REALLY freaking out about giving birth in Geneva. :eek: So, if I understand correctly, even if I choose a midwife and decide to give birth in La tour hospital (for example) then I would still have to have a Ob/gyn and my midwife wouldn't be in charged all the time???

undercovermoles 15.09.2007 22:34

Re: Birth experience in Swiss hospitals/clinics -advice/tips/stories?
 
we are planning to emigrate to Zurich and my wife is pregnant - lots of talk here about water birth with no pain relief... we are worried that this is the norm... she had wanted to have the option of a "mobile epidural" which basically is a localised anaesthetic injection, if necessary... but would not want this to be frowned upon... any advice? also, can anyone recommend a good private hospital in Zurich?

Lou 15.09.2007 22:42

Re: Birth experience in Swiss hospitals/clinics -advice/tips/stories?
 
Quote:

Originally Posted by undercovermoles (Post 104647)
we are planning to emigrate to Zurich and my wife is pregnant - lots of talk here about water birth with no pain relief... we are worried that this is the norm... she had wanted to have the option of a "mobile epidural" which basically is a localised anaesthetic injection, if necessary... but would not want this to be frowned upon... any advice? also, can anyone recommend a good private hospital in Zurich?

Hospitals in Zurich tend to be more open about women's birth choices, normally you get what you want. If your wife wants an epidural she may have to state clearly that is her wish but I have never known anyone refused one unless they were too far into labour which would be the case in any hospital. Does your wife already have private medical insurance that would cover a private hospital? If not she will not be able to get cover as she is already pregnant. Have a look around some of the other pregnancy threads and you will see that this is not a bad thing.

undercovermoles 16.09.2007 00:34

Re: Birth experience in Swiss hospitals/clinics -advice/tips/stories?
 
thanks Lou - thats good news - we will arrange the epidural in advance then...

as for insurance, I will sort something out with the new company but if its not possible to get this covered "after the event" as it were, then we will just pay privately as we would have done in UK anyway...

neerajana 16.09.2007 11:41

Re: Birth experience in Swiss hospitals/clinics -advice/tips/stories?
 
Hi. I am just about to deliver and although I am in Geneva I think the situation in Zurich should be similar. On my last visit to the hospital I spoke to the mid wife and Dr. about Epidural and they said u can have it whenever u want during the labour,when u start feeling that it is unbearable. There was a brochure there as well telling all about the procedure and yes it is ambulatory so that you can go to the toilet and all with the catheter taped into place, infact the brochure said the epidural catheter is linked to a button so that whenever u feel the pain becoming too much u just press that button and it will deliver a fresh load of medicine to combat the pain. I think u should just mention to the Dr. that u would like an epidural id required during the labour and they can make a note of it in your case sheet.


quote covermoles;104647]we are planning to emigrate to Zurich and my wife is pregnant - lots of talk here about water birth with no pain relief... we are worried that this is the norm... she had wanted to have the option of a "mobile epidural" which basically is a localised anaesthetic injection, if necessary... but would not want this to be frowned upon... any advice? also, can anyone recommend a good private hospital in Zurich?[/quote]

SWilkinson 16.09.2007 18:06

Re: Birth experience in Swiss hospitals/clinics -advice/tips/stories?
 
Hi,

Thought I would post this here, my wife is now pregnant and being complete newbies in relation to medical insurance issues in CH can someone advise on what we do in relation to paying/getting the bills paid.

We have just paid the first raft of bills!! We are with Swica btw.

Do we send the bills to Swica, do we pay them first and then claim it etc.....

Sorry it's such a numpty question but looking through the bits and pieces we got when we took out the insurance I can only find very general info. We did receive one bill from Swica with an invoice stating 'Nil' contribution from Swica.:confused:


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