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Old 27.02.2011, 21:36
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Having a baby in Switzerland

Hi everyone!
I've read a bit about the health insurance model, and I saw that normal/standard insurance covers a normal birth. Now the question: we should move into Switzerland in the beginning of May, and the baby should come in end of August/beginning of September, so, would the insurance cover the birth if we only contribute for some months, about 4, or do we have to pay a specified period a time (a year) ? Any advice on this matter is welcomed, if you have tips please feel free to share
Thanks a lot!
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Old 27.02.2011, 21:46
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Re: Having a baby in Switzerland

Correct, basic insurance covers normal birth and you do not need to have paid for a certain amount of time in order to have coverage for the birth. Naturally you will not be able to go to a Private Clinic unless you wish to personally cover the costs.

Also, welcome to the forum
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Old 27.02.2011, 22:14
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Re: Having a baby in Switzerland

When I arrived in Basel, I was already 3 months pregnant. It wasn't a problem since the basic insurance is mandatory for everybody and it does cover pregnancy and birth.

When I gave birth, I upgraded my room for a private. It cost us 100 chf per night and all the rest (the stays, treatments, medications, care, etc) was covered by the insurance.

This time I am again with the basic insurance and I found out that for me, it wasn't worthed to get a higher insurance plan. I am going to upgrade again my room to be in a private one (if available).

It comes much cheaper to pay 100chf per night for 3-5 days than to pay 250chf more (on top of the basic insurance) per month to have a full coverage private insurance and the choice of doctor (which I already have) and to have the senior head medical in chief present for the birth ().
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Old 27.02.2011, 22:15
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Re: Having a baby in Switzerland

More info in the health insurance sticky with threads by Jenny at the top of this sub-forum. She is our resident expert but most questions she has answered above so please check out there first.
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Old 27.02.2011, 22:19
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Re: Having a baby in Switzerland

Not sure if I agree Nil.. private and semi-private insurance can be very much worth it.
Anyway.. bogdanpogacean if you're just arriving you'll have the basic for sure whoch does cover all of your medical needs, so no worries there.
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Old 27.02.2011, 22:25
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Re: Having a baby in Switzerland

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Not sure if I agree Nil.. private and semi-private insurance can be very much worth it.
Anyway.. bogdanpogacean if you're just arriving you'll have the basic for sure whoch does cover all of your medical needs, so no worries there.
Maybe, but for me, it didn't change what I needed. I have the basic insurance and I have a complementary insurance (which cover household help, midwife, dentist, eyes, massages, special meds, etc)

But for the doctors, treatment in hospital and room, I have the basic insurance. Room can be upgrated, my doctors are all wonderfuls (really!!) and I don't see any difference on treatment (which my doctor confirmed to me friday).

It works for me.
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Old 27.02.2011, 22:25
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Re: Having a baby in Switzerland

What might be worth checking out is the addition of "freie Spitalwahl" to the health-insurance, i.e. choice of hospital.
Normaly, you can only check-in to hospitals in the Kanton you live in.
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Old 27.02.2011, 22:30
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Re: Having a baby in Switzerland

I fully concord with Sky and her wise advice.

Health insurance is of course critical to take care of illness - but comfort is also worth a dime or two. In addition, many doctors have their own operating agreements with a clinic or a hospital; so when you choose your gynecologist, you should immediately inquire if s/he works with a clinic or hospital.

If you have only the public insurance (LAMAL), and your chosen doctor is working with a clinic - s/he will not be able to be with you.

Also... well food and lodging is a lot nicer at the clinics; definitely worth it. finally, you choose a coverage for a long time; and if - heavens forbid - you ever need med care, you'd be happy to have it.
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Old 27.02.2011, 22:38
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Re: Having a baby in Switzerland

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I fully concord with Sky and her wise advice.

Health insurance is of course critical to take care of illness - but comfort is also worth a dime or two. In addition, many doctors have their own operating agreements with a clinic or a hospital; so when you choose your gynecologist, you should immediately inquire if s/he works with a clinic or hospital.

If you have only the public insurance (LAMAL), and your chosen doctor is working with a clinic - s/he will not be able to be with you. Yes and no, I could have my doctor but I would not have her for the birth if I choose to go to an other hospital only because she doesn't work with that other hospital. Which had nothing to do with my level of insurance.

Also... well food and lodging is a lot nicer at the clinics; definitely worth it. Food in the hospital here is great! Honestly! I have been eating like a real Queen while there. Lots of choices and very well prepared. finally, you choose a coverage for a long time; and if - heavens forbid - you ever need med care, you'd be happy to have it.
My friend spend months in the hospital last year with the basic insurance and he got just great treatment, great doctors and excellent care. We talk about Switzerland here, Health care is great in general with a big G.

I am in no mean trying to argue here, but I really don't see much difference. So maybe someone should explain it to me. Please?
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Old 27.02.2011, 23:03
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Re: Having a baby in Switzerland

Don't know if anyone's already suggested it, but I would really recommend getting the insurance for this all set up before you leave for CH.

You'll need a good agent to get all the paperwork lined up (esp. for your child, here it is better to register your child with your insurance company in advance of the birth to cover any problems ahead of time), but moving is a stressful period, and being pregnant isn't going to help.

Heaven forbid that anything goes wrong or the baby comes early, but at least this way, this will be something you don't have to worry about.

Good luck with move and baby.

EDIT: Assura is the cheapest, and we've not had any notable problems with it in 11+ years and 3 babies.
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Old 28.02.2011, 15:20
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Re: Having a baby in Switzerland

well i had two kids here in lausanne university hospital and welllllllll i must say the nurses after delivery at night were horrid they dont help may be its just my bad luck but i dont want to go through the whole process atleast in CHUV and now i find out ASSURA does not cover private hospital delivery even if i take complimentary insurance
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Old 28.02.2011, 16:08
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Re: Having a baby in Switzerland

Nil, I had my baby here - in a clinic, and it was fine, based on that experience I would not say anything.
BUT, I also had to go through cancer treatment a few years past (early 40ies). I can tell you that, while it is by no mean pleasant, being able to stay at a clinic, with the nurses really taking care of me bringing coffee tea or cookies, with a menu prepared for me, in a private room, with a tv set to make chemo time go by a bit faster, etc etc etc... made a big, big difference.

That is my explanation. I know I would have been treated also in the hospital; but my level of comfort was a lot higher.
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Old 28.02.2011, 18:02
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Re: Having a baby in Switzerland

A big thanks to all! I was pleasantly surprised to receive so many answers. I am ok for now with the level of information I got I'll probably be back with more questions as the moving date approaches, in the meanwhile I will do some more reading, as it is a huge amount of information and regulation to absorb at once
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Old 26.04.2011, 01:04
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Re: Having a baby in Switzerland

We had a baby here with my wife's basic insurance as well. We are not used to paying high monthly premiums that we have to in Switzerland, but... we were very impressed with the treatment throughout the pregnancy as well as the birth process. We felt very comfortable with each doctor, midwife or nurse who took care of us at the hospital. My wife had a very comfortable birth because of it, and the food she got wasn't bad either! We didn't have a private room, but because it was quiet in January in the Baden kantonspital, it ended up that our room was private or semi-private at most! We loved the Baden kantonspital and have heard good news from others who have had babies here.

(Just to make you feel more secure about it all!)
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