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  #161  
Old 17.12.2008, 02:09
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Re: Birth experience in Swiss hospitals/clinics -advice/tips/stories?

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To be honest my hospital's basic room only has three people in it so personally I don't think it's worth the money.
Our first child was born and my wife was forced to share a room with a girl who has a c-section at the end of a long birth process.

The consequence is that her visitors and my wife's visitors timings never really worked and there weren't enough chairs and all that crap.

The girls child would want feeding at different times to my wife's, she was breast feeding, my wife was bottle feeding and so on.

It didn't mesh well. Not to say that it was the end of the world or anything but as soon as possible I moved her to the single private room we had booked. It was down to the bloody nurses being too lazy to change the bedding on a discharged mothers bed.

I am not saying that 3 can't work really well, we know at least two couples that are really good friends with the couples they shared with years later. Its just also possible that it'll be a pain in the ass and not work well.

Just giving the other side.

Mr H
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  #162  
Old 17.12.2008, 07:27
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Re: Birth experience in Swiss hospitals/clinics -advice/tips/stories?

Totally agree with your point of view Mr Happy. At the moment with a few months to go the thought of spending 2500CHF extra for a private room doesn't appeal to me but I am concerned about potentially having three screaming babies in the same room (possibly more with twins etc) all setting each other off. At the moment I'm looking at the best option which is I have a straightforward (and really am hoping for easy) birth and if it's too crowded I can home two or three days later and have the midwife come to me. I guess time will tell how long I have my rose tinted glasses on for!
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  #163  
Old 17.12.2008, 09:43
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Re: Birth experience in Swiss hospitals/clinics -advice/tips/stories?

I went home fast, in Australia, due in part to the lack of privacy in hospital...and the continuous comings and goings of visitors, nurses, cleaners, tea-ladies, doctors etc...much more peaceful at home...and the food was better, too!

I like my personal privacy...and prefer to not share a room...with my second child I was lucky to have a two-bed room to myself, and then when the second bed was filled, I went home fast...

I'm not sure that I'd pay all the extra money for a private room, though, I think I'd just go home instead and use the money on lots of comfort food and a cleaner/housekeeper !
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  #164  
Old 17.12.2008, 11:15
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Re: Birth experience in Swiss hospitals/clinics -advice/tips/stories?

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1. I have been told by my insurance agent that my wife needs an additional insurance to cover complications during the delivery. I think I roughly know what it is -- something beyond normal delivery needs I guess .. example premature birth etc. I thought this was already in the insurance coverage she has. It came as a surprise to me. Do I really need it? All other friends that I asked, have no idea about it.

2. Until today, I thought that all costs related to birth covered by the insurance 100%. Now, I have been told by my insurance agent that I need to bear 20% of the total cost for max of 4000CHF for semi private room, and up to 35% or max 7000 CHF for private room. Opps .. another surprise. Does any one else share the experience with the cost? btw, how much is does Caesarean cost roughly ???
Emergency C Sections, vacuum deliveries and complications will be covered 100% when the foetal stress is confirmed. C sections performed because of non-progress need to be looked into by the insurance company. Friends of mine have needed ultrasounds and MRIs after the birth to proove that the baby couldn't fit through the pelvis. Any care needed for the baby after birth fall under the babies insurance.

If you want to choose the doctor at your birth them you need semi-private or private, but there is a chance your doctor still won't make it. Private rooms are worth it when you are learning to breastfeed and getting examined every day. Swiss have loads of visitors too, seems like every man and his dog comes to visit them in the hospital!

Certain medications are NEVER covered 100% in pregnancy and delivery, you still pay the 10%. I am one very expensive lady
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  #165  
Old 17.12.2008, 13:36
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Re: Birth experience in Swiss hospitals/clinics -advice/tips/stories?

Hi there!
I'm due in January too ...one week before your wife.
Here's a link about what the insurance covers during pregnancy and birth.
http://www.bag.admin.ch/themen/krank...x.html?lang=en
Personnally I just suscribed for what they call ''pre birth'' insurance which covers the baby and the extra cost after the birth.I've been told that it was the safest solution.
In case the baby or I get in trouble after the birth the insurance has to cover everything with the '' pre-birth''.
In which hospital are you having the baby?
I'm having mine in Spital Zollikerberg.My insurance agent told me the same things about the costs and I've found a solution with the hospital.If your wife just have the basic insurance you can suscribe for an ''upgrade'' in your hospital.
Hope I could help!
Good Luck
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  #166  
Old 18.12.2008, 11:47
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Re: Birth experience in Swiss hospitals/clinics -advice/tips/stories?

Hi all,

Thanks for all the suggestions / point of views.

It seems that I misunderstood what was explained to me about the additional insurance. Apparently, it's not "additional insurance" as such. It's just registration of insurance coverage for the baby prior to the birth. Just like what some of you have suggested. 30 days or so after the baby is born, you have to again re-register to continue with the normal coverage ... or something line that. It's just a way to ensure the baby is covered from the day he/she is born.

About the 20% of total cost ... it's apprarently in the contract / package. So, I just have to pay it if we decide go for semi-private / private. Hopefully not so much. Otherwise, we'll make do with general.

What I found interesting is that there was an additional coverage which I could have taken (when I first signed up with CSS 2 years ago) that would pay my wife 2500 CHF cash after delivery!! ... only at a premium of 37CHF a month. Too late .. Perhaps next time for the 3rd child
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  #167  
Old 18.12.2008, 12:14
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Re: Birth experience in Swiss hospitals/clinics -advice/tips/stories?

hi Shreky- dont forget once your child is here to ask CSS for the form so your wife can receive her 200 fr. for breast feeding (min. 30 days and has to be signed off by either Ped. or midwife) Gotta love free $$
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  #168  
Old 18.12.2008, 12:27
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Re: Birth experience in Swiss hospitals/clinics -advice/tips/stories?

thanks for the reminder.
Yes, I have the form for the 200 CHF
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  #169  
Old 18.12.2008, 12:52
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Re: Birth experience in Swiss hospitals/clinics -advice/tips/stories?

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hi Shreky- dont forget once your child is here to ask CSS for the form so your wife can receive her 200 fr. for breast feeding (min. 30 days and has to be signed off by either Ped. or midwife) Gotta love free $$
You can receive money for breastfeeding? Is there a special name for the form that I should ask my insurance company (Avanex) for? Baby is coming in February... so still a little time. Thank you!
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  #170  
Old 18.12.2008, 12:53
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Re: Birth experience in Swiss hospitals/clinics -advice/tips/stories?

it's called "Stillgeldausweis"
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  #171  
Old 18.12.2008, 12:56
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Re: Birth experience in Swiss hospitals/clinics -advice/tips/stories?

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it's called "Stillgeldausweis"
Pretty sure my girlfriend got 200 chf for that.......which was nice.
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  #172  
Old 18.12.2008, 13:04
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Re: Birth experience in Swiss hospitals/clinics -advice/tips/stories?

That is true for other insurance carriers as well? The CHF200 for breastfeeding? It sounds superb!
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  #173  
Old 18.12.2008, 13:15
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Re: Birth experience in Swiss hospitals/clinics -advice/tips/stories?

The Helsana group (Progres, SanSan) doesn't do it. Anyone know who else does it?

I am looking for a new policy now. Klug is the cheapest in Zug, but do they have Stillengeld?
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  #174  
Old 18.12.2008, 15:43
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Re: Birth experience in Swiss hospitals/clinics -advice/tips/stories?

You will only get the 200 CHF after brestfeeding for 10 weeks, with signature from the doctor confirming it.
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  #175  
Old 18.12.2008, 18:46
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Re: Birth experience in Swiss hospitals/clinics -advice/tips/stories?

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You will only get the 200 CHF after brestfeeding for 10 weeks, with signature from the doctor confirming it.
Any help on which insurers do this?
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  #176  
Old 18.12.2008, 18:52
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Re: Birth experience in Swiss hospitals/clinics -advice/tips/stories?

Here is a form issued by one of the insurers, to be taken a guide only:

Last edited by jrspet; 21.08.2009 at 14:58.
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  #177  
Old 18.12.2008, 19:04
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Re: Birth experience in Swiss hospitals/clinics -advice/tips/stories?

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Any help on which insurers do this?
I know that Intras does it, but it is 100 CHF and this benefit is not included in the basic insurance plan.
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  #178  
Old 18.12.2008, 19:14
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Re: Birth experience in Swiss hospitals/clinics -advice/tips/stories?

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I know that Intras does it, but it is 100 CHF and this benefit is not included in the basic insurance plan.
I know CSS includes it in the KVG Obligatory insurance. I read over the application forms for extra insurance from a couple of companies and I doubt that they will take me or they will put exclusions
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  #179  
Old 18.12.2008, 19:46
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Re: Birth experience in Swiss hospitals/clinics -advice/tips/stories?

CSS give the 200fr after 30 days, Concordia gave nothing with my 1st birth. Definitely ask your insurance provider since each insurance has it's own guidelines if they do even cover it.
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  #180  
Old 29.12.2008, 13:58
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Re: Birth experience in Swiss hospitals/clinics -advice/tips/stories?

No stillgeldausweis for Helsana group. My husband just confirmed that. However, there is a new law taking into effect Jan 2009. An income supplement of some sort. Here is the information however I could only find it in German. If anyone can find it in English, that would be great.

http://www.bernfamilie.ch/N96614/kin...agen-bern.html
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