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Old 14.04.2021, 18:19
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Health insurance for a newborn?!?

Hi,

We are about to arrange the insurance policy for our baby coming this autumn and I was hoping to find some answers here. It's the first time and we have just moved to Switzerland, so kind of a jungle for us.

We have Helsana and have decided to go with the basic insurance of choice. We then have a choice of supplementary insurance to add. One is called "top" and is the more basic one. Then there is one with called "completa" and it's the more complete covering things like alternative medicine, dental care ect. Does anyone have experience in this matter? We wonder if it's important to pick "completa" right from the start or if we can add that later for the child?
Also, they have added "legal insurance" do we really need this in the first years for a baby? I hope someone have some useful input for me
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Old 14.04.2021, 18:48
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Re: Health insurance for a newborn?!?

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Hi,

We are about to arrange the insurance policy for our baby coming this autumn and I was hoping to find some answers here. It's the first time and we have just moved to Switzerland, so kind of a jungle for us.

We have Helsana and have decided to go with the basic insurance of choice. We then have a choice of supplementary insurance to add. One is called "top" and is the more basic one. Then there is one with called "completa" and it's the more complete covering things like alternative medicine, dental care ect. Does anyone have experience in this matter? We wonder if it's important to pick "completa" right from the start or if we can add that later for the child?
Also, they have added "legal insurance" do we really need this in the first years for a baby? I hope someone have some useful input for me
You best include the baby in your family insurance.
Supplementary insurance is a personal decision. I cancelled mine because I see no need for it at the Swiss level. Unless of course you already know you want any crazy alternative medicine available. Others will be able to give you detailed advice on that.

Legal insurance for the baby?? What do the genes say, will it definitely be a brat?
AfaIk, anything children brake is covered by the liability insurance of the parents. And I doubt your child will be taken to court before the age of 10 or 15 or so??

Don't overdo it with the insurances!! They will try to sell you anything.
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Old 14.04.2021, 18:53
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Re: Health insurance for a newborn?!?

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You best include the baby in your family insurance.
Supplementary insurance is a personal decision. I cancelled mine because I see no need for it at the Swiss level. Unless of course you already know you want any crazy alternative medicine available. Others will be able to give you detailed advice on that.

Legal insurance for the baby?? What do the genes say, will it definitely be a brat?
AfaIk, anything children brake is covered by the liability insurance of the parents. And I doubt your child will be taken to court before the age of 10 or 15 or so??

Don't overdo it with the insurances!! They will try to sell you anything.

Thanks a million! This is very helpful! And yeah, legal cover I don't get, just wanted to get that straight and ask as life in Switzerland is new to me
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Old 14.04.2021, 18:55
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Re: Health insurance for a newborn?!?

good that you get health insurance before the child is born.

I would recommend getting good dental for the child too.

The cost will max out around 250 a month, I expect? If there is major stuff you need for the child such as orthodontic treatment in the teens, it will cost you plenty.
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Old 14.04.2021, 20:11
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Re: Health insurance for a newborn?!?

There's a difference between broad legal insurance for all sorts of things, and specific legal insurance limited to just one field.

The legal insurance sold by a medical insurance company (Krankenkasse in German and caisse maladie in French) may be for only those legal matters which are to do with medical issues. (By the way, the tenants' association, called Mieterverband in German and Asloca in French, has a similar field-related legal insurance which is only for matters to do with being a tenant.) This limitation can drive the premium down rather nicely.
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Old 14.04.2021, 20:27
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good that you get health insurance before the child is born.

I would recommend getting good dental for the child too.

The cost will max out around 250 a month, I expect? If there is major stuff you need for the child such as orthodontic treatment in the teens, it will cost you plenty.

I understand. But is it necessary to have the dental and orthodontic treatments added already when the child is born? Or can we change this for example when the child is a couple of years older? This is where we are stuck.

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There's a difference between broad legal insurance for all sorts of things, and specific legal insurance limited to just one field.

The legal insurance sold by a medical insurance company (Krankenkasse in German and caisse maladie in French) may be for only those legal matters which are to do with medical issues. (By the way, the tenants' association, called Mieterverband in German and Asloca in French, has a similar field-related legal insurance which is only for matters to do with being a tenant.) This limitation can drive the premium down rather nicely.

Ah I see, so it's worth asking the insurance company more specific what is covered in the legal cover.

Last edited by 3Wishes; 14.04.2021 at 21:46. Reason: merging consecutive replies
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Old 14.04.2021, 20:30
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Re: Health insurance for a newborn?!?

certainly it's worth getting good insurance before the child is born because once the child is born and (hopefully not but) any significant issue is discovered, above-basic health insurance becomes expensive.

ask this of your provider. But I think any complication in health would make the insurance not available or expensive.
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Old 15.04.2021, 11:42
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Re: Health insurance for a newborn?!?

better add the alternative medicine now. You may cancel it later if not needed.
dentist : you have time until child is 3-4 years old

if you need to add alternative medicine insurance, then they will insure the child with exceptions if you find something after birth.
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Old 15.04.2021, 14:18
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Re: Health insurance for a newborn?!?

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I understand. But is it necessary to have the dental and orthodontic treatments added already when the child is born? Or can we change this for example when the child is a couple of years older? This is where we are stuck.
I wouldn't recommend planning for this. Later you try to add it, the more chance for refusal. In the end, it's an insurance... You could also try to put the money to what you would send on the premium to a jar and use it to pay orthodontics later on. Personal preference, but supplemental for children is relatively cheap
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Old 16.04.2021, 10:14
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Re: Health insurance for a newborn?!?

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
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Old 29.04.2021, 22:59
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Re: Health insurance for a newborn?!?

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I understand. But is it necessary to have the dental and orthodontic treatments added already when the child is born? Or can we change this for example when the child is a couple of years older? This is where we are stuck.
This probably varies depending on the insurance company. All dental insurance is optional, therefore itís not mandatory for the company to follow given rules (like there often are for basic insurance). Ours would have demanded a dental exam after the age of three (and presumably refused it if there had been any discernible major problems by then), so we got it before. Best to ask.
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Old 30.04.2021, 06:58
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Re: Health insurance for a newborn?!?

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This probably varies depending on the insurance company. All dental insurance is optional, therefore itís not mandatory for the company to follow given rules (like there often are for basic insurance). Ours would have demanded a dental exam after the age of three (and presumably refused it if there had been any discernible major problems by then), so we got it before. Best to ask.
My advice is get the dental and supplementary from birth. you pay a reduced amount until they are 3 or 4 or something anyway. If you leave it until they are older you may find you've missed the cut and you cant get dental treatment coverage. Its not meant to sound panicky or pressured but we've got all our three with helsana and honestly it wasnt much for the additional bits on top we didnt do the legal thing but the dental we got. Its worth it.
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Old 29.04.2021, 13:06
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Re: Health insurance for a newborn?!?

Weíre currently going through this process. Is there any reason for the baby to be with the same health insurance provider as the parents? Iíve found I can get better cover cheaper elsewhere but Iím not sure on downsides (if any)
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Old 29.04.2021, 13:36
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Re: Health insurance for a newborn?!?

your administrative overheads....
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Old 29.04.2021, 14:22
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Re: Health insurance for a newborn?!?

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Weíre currently going through this process. Is there any reason for the baby to be with the same health insurance provider as the parents? Iíve found I can get better cover cheaper elsewhere but Iím not sure on downsides (if any)
Downside is only the amount of work you need to do to understand the different policies. 2 apps, 2 processes etc. Personally unless the advantage is SO HIGH I would not do it.
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Old 29.04.2021, 19:52
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Re: Health insurance for a newborn?!?

Thanks both

Itís around 360chf a year difference with better supplemental coverage - probably worth the extra admin hassle
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