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Old 07.02.2012, 10:29
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Insurance cover for pregnancy

Hi friends
I am working for a software company in India and will be traveling to Zurich in mid March. My wife is pregnant and we are expecting a baby in mid September 2012.
Can anybody answer my below queries:
1. Will the insurance cover the pregnancy expenses?
2. Does the child get Swiss citizenship?


Awaiting your replies.

Thanks
Amit
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Old 07.02.2012, 10:31
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Re: Insurance cover for pregnancy

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Hi friends
I am working for a software company in India and will be traveling to Zurich in mid March. My wife is pregnant and we are expecting a baby in mid September 2012.
Can anybody answer my below queries:
1. Will the insurance cover the pregnancy expenses?
2. Does the child get Swiss citizenship?


Awaiting your replies.

Thanks
Amit

Welcome and look on the forum, you will find plenty of informations to answer your questions.
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Old 07.02.2012, 10:38
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Re: Insurance cover for pregnancy

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1. Will the insurance cover the pregnancy expenses?
2. Does the child get Swiss citizenship?
1. Yes, most expenses are covered. A search on the forum will reveal more.

2. No, Swiss citizenship is only conferred where one or both parents are Swiss. Simply being born in Switzerland does not give any rights to citizenship.

http://en.wikipedia.org/wiki/Swiss_nationality_law
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Old 07.02.2012, 10:58
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Re: Insurance cover for pregnancy

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Hi friends
I am working for a software company in India and will be traveling to Zurich in mid March. My wife is pregnant and we are expecting a baby in mid September 2012.
Can anybody answer my below queries:
1. Will the insurance cover the pregnancy expenses?
2. Does the child get Swiss citizenship?
1. Yes, get compulsory Swiss health insurance as soon as you register (has she got her permit yet?). Don't let your employer fob you off with "international" or "expat" insurances. There are many posts on here where people found out that for that sort of insurance, there was a cap on how much they would pay (usually a lot less than the hospital bills).

2. No, unless one of the parents is Swiss. Also, to get a birth certificate, your own papers must be up to scratch. That means birth and marriage certificates for you and your wife, notarised and legalised. Get them now, it can take a while to have them issued.
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Old 07.02.2012, 20:31
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Re: Insurance cover for pregnancy

There are lots of threads on this already.

Try :
just found out I am pregnant- Insurance begins Dec 1
or
Insurance pregnancy help needed!
or
Health insurance cover when entering the country pregnant
or
Health insurance suggestions for pregnancy?

If you have any specific questions, just let us know!
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  #6  
Old 15.02.2012, 11:41
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Re: Insurance cover for pregnancy

thank you all for the very informative replies. that was very helpful.
I understand from my employer that during my stay in Zurich Me and my family will be covered under the "Xundheit (the current local insurance service provider) “Standard Classic Package”

Is this cover applicable if my wife is pregnant while entering Zurich?
Is it advisable to upgrade to "Comfort" or "Semi Private" packages from Xundheit?

Thanks in advance.
Amit
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Old 15.02.2012, 11:49
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Re: Insurance cover for pregnancy

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thank you all for the very informative replies. that was very helpful.
I understand from my employer that during my stay in Zurich Me and my family will be covered under the "Xundheit (the current local insurance service provider) “Standard Classic Package”

Is this cover applicable if my wife is pregnant while entering Zurich?
Is it advisable to upgrade to "Comfort" or "Semi Private" packages from Xundheit?

Thanks in advance.
Amit

I just googled Xundheit to find a name change to Sympany...
"Die Xundheit ist ein Tochterunternehmen der Sympany Gruppe und tritt ab dem 1. Januar 2011 unter dem Namen Sympany auf." see http://www.sympany.ch/en/xundheit.htm

Mind you I read Sympany but my mind thought sympathy... interesting name choice

Back to the topic...

On their website it says for people moving to Switzerland they have "Multilingual team offering expert advice by phone or mail" see http://www.sympany.ch/private/en/ang...egeschweiz.htm

That should help.
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Old 15.02.2012, 12:07
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Re: Insurance cover for pregnancy

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thank you all for the very informative replies. that was very helpful.
I understand from my employer that during my stay in Zurich Me and my family will be covered under the "Xundheit (the current local insurance service provider) “Standard Classic Package”

Is this cover applicable if my wife is pregnant while entering Zurich?
Is it advisable to upgrade to "Comfort" or "Semi Private" packages from Xundheit?

Thanks in advance.
Amit
Yes, basic insurance covers you for pre-existing conditions also. "Comfort" or "Semi-Private" is mainly linked to the level of comfort in the hospital (bearing in mind that unlike the UK or India, there are no hospital wards in Switzerland, ie Basic Insurance is a two- or three-bed room already). Have the difference in premium explained to you. There's also a "family" option which may be good value.

On the other hand, what is important is to choose a low excess for your wife and your child - you already know there will are substantial bills coming, and the lower premium for a higher excess will not make up for this.

Just don't forget to arrange insurance for the baby before it is born. Some insurance companies give you the cover for the first month of baby's life free of charge.
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Old 16.03.2012, 18:00
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Re: Insurance cover for pregnancy

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No, unless one of the parents is Swiss. Also, to get a birth certificate, your own papers must be up to scratch. That means birth and marriage certificates for you and your wife, notarised and legalised. Get them now, it can take a while to have them issued.
NB: These will almost certainly have to be less than six-months old.
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Old 15.02.2012, 12:20
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Re: Insurance cover for pregnancy

Here is a copy of the 'Living and working in Switzerland' info document I was given when I first started working here. On page 37, there is an explanation of what the compulsory insurance should cover in terms of maternity healthcare and financial conditions. It's in English.

It's a little out of date (2009 I think) but should still be valid.
Attached Files
File Type: pdf Living and Working in Switzerland.pdf (635.2 KB, 608 views)
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Old 15.02.2012, 14:16
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Re: Insurance cover for pregnancy

Hi all
thanks for the quick and very helpful replies.

Thank you very much.
Amit
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Old 16.03.2012, 16:31
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Re: Insurance cover for pregnancy

just want to add that most of basic insurance only cover 7 appointment and 2 ultrasound starting from weeks 12 (from my Obgyn).

so if your first appointment with Obgyn is at wk 8 you will have to pay it by yourself (deductible in franchise) and you might be offered a vaginal ultra sound for a price (mine was 150 chf). for the blood works my Obgyn also offered to check for taxoplasmosis for around 100 chf.

i heard that CSS offers 8 appointment but i do not know if it also start from wk 12 or not.
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Old 16.03.2012, 16:51
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Re: Insurance cover for pregnancy

It also covers any extra appointments/ultrasounds deemed medically necessary by your ObGyn. Why did you have to pay for the Toxiplasmosis test? It is part of routine pregnancy screening and was covered by my insurance. I also never had to pay out of pocket for any early ultrasounds.

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just want to add that most of basic insurance only cover 7 appointment and 2 ultrasound starting from weeks 12 (from my Obgyn).

so if your first appointment with Obgyn is at wk 8 you will have to pay it by yourself (deductible in franchise) and you might be offered a vaginal ultra sound for a price (mine was 150 chf). for the blood works my Obgyn also offered to check for taxoplasmosis for around 100 chf.

i heard that CSS offers 8 appointment but i do not know if it also start from wk 12 or not.
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Old 20.03.2012, 15:32
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Re: Insurance cover for pregnancy

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It also covers any extra appointments/ultrasounds deemed medically necessary by your ObGyn. Why did you have to pay for the Toxiplasmosis test?.
that was what my Obgyn told me. I asked my friend and she said it doesn't include in basic insurance. every month she has to pay for toxoplasmasis screening by herself. we have different insurance and different obgyn.


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I also never had to pay out of pocket for any early ultrasounds.
i checked comparis and it said that Insurers must cover costs for 7 routine examinations (2 of which may be uterus scans, between the 10th and 12th as well as between the 20th a nd 23rd week of pregnancy, more in case of a high-risk pregnancy). Since my first uterus scan is at 8th week, i need to pay it myself. my friend also confirm this.
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Old 20.03.2012, 14:22
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Re: Insurance cover for pregnancy

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i heard that CSS offers 8 appointment but i do not know if it also start from wk 12 or not.
Remember that every single company offers the exact same coverage for basic insurance - whether related to pregnancy or anything else.
Therefore, CSS will cover 7 check-ups in their basic insurance (same as everyone else).

They may offer more in some of their supplementary packages as do most companies.

Hope this helps?
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Old 20.03.2012, 15:26
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Re: Insurance cover for pregnancy

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Remember that every single company offers the exact same coverage for basic insurance - whether related to pregnancy or anything else.
Therefore, CSS will cover 7 check-ups in their basic insurance (same as everyone else).

They may offer more in some of their supplementary packages as do most companies.

Hope this helps?
but in the brochure it clearly say 8 check up
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