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Old 07.11.2010, 14:33
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Health Insurance cover for pregnancy

Hi all,

We are looking to move to Bern March next year by which time we may be pregnant with our second.

My wife had a caesar last time therefore will probably have a caesar the next time. I am still unsure after searching the forums and other websites about what is covered with health insurance for public or private hospitals.

My undestanding is that if you arrive pregnant, you are not covered for a private hospital. What is the benefits of a private over public in Switzerland? In Australia it is signfiicant in that you get to choose your obstetrician, private room and longer time in hospotal.

If we do not become pregnant until after we arrive but give birth prior to 1 year after arrival, are you still not covered for private hostpital? In Australia, you need 12 months cover prior to giving birth or pre-exisiting illnesses.

If this is the case, if we can prove we have had continuous private hospital cover in Australia, does this reduce this waiting period in Switzerland?

Any help as always appreciated.


Cheers,


M
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Old 07.11.2010, 17:09
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Re: Health Insurance cover for pregnancy

I believe you may be better off asking for this thread to be moved to the Insurance section. A lot of information can be found there
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Old 07.11.2010, 17:19
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Re: Health Insurance cover for pregnancy

It would be best if you could hold off with you all getting preggers until you are here! Airlines don't like taking expectant ladies, insurance companies don't like taking on existing conditions.

There is no waiting time, so if you arrive in March you could be expectant and privately insured by beginning of April 2011. Look at the other threads please, we ain't going to type the whole lot out again!
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Old 07.11.2010, 19:58
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Re: Health Insurance cover for pregnancy

One thing: it will also depend how you are coming here and wheter your company is tranferring you.

Sometimes companies negotiate with the insurances that their transferees have no waiting time and can immediately benefit from same coverage as back home.

In which case, worth checking this with your HR departement.

Cheers,
K
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Old 07.11.2010, 20:21
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Re: Health Insurance cover for pregnancy

everyone is entitled to basic insurance and public hospitals here are very good. If you arrive pregnant you wont be able to get any additional private cover and if you arrive not pregnant and take insurance out with additional private cover and get pregnant within one year of taking that insurance out you still wont be covered. However there are 2 insurances I know of Concordia and Intras (I think) who will cover you for pregnancy even if you get pregnant the day after taking the policy out. I am with Concordia exactly for this reason and they are crooks - I have had nothing but hassle with them over treatment and pregnancy related issues but I think I might be just an unlucky case

Hope that helps a bit

Worth contacting Jenny on the forum she is a great help

Last edited by Nickers; 07.11.2010 at 21:08.
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Old 07.11.2010, 21:02
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Re: Health Insurance cover for pregnancy

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If you arrive pregnant you wont be able to get any additional private cover and if you arrive not pregnant take insurance out with additional private cover and get pregnant within one year of taking that insurance out you still wont be covered.
My semi-private cover only has 40 weeks wait which means as long as you are not already pregnant when taking it, you have a good chance of getting semi-private cover when you give birth. But there is still the 40 week wait which means someone already pregnant will only be covered under the basic insurance.
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Old 07.11.2010, 21:52
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Re: Health Insurance cover for pregnancy

If you don't have private insurance cover, some hospitals allow to you pay an upgrade fee for the time you are there for the birth/post delivery, which would give you a private room etc. if they have capacity, even if you only have basic cover. This varies from hospital to hospital however - the university hospital in Zurich, for example, don't offer this.
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