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Old 22.02.2012, 07:54
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Pregnancy and insurance

Dear all,

I am moving to Switzerland, Zug, next end of April. My wife and little boy will come in the beginning of August.
My wife is now pregnant and the new baby will born next end of September.
Can you please tell me the best approach for the health insurance?
I was thinking on doing my own in May and extend it for all the family on August.
I've read that to have the "pregnancy" included on the insurance you have to do it 12 months in advance. What should I do?

Thanks in advance.
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Old 22.02.2012, 08:23
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Re: Pregnancy

Welcome to the Forum Rppinto.

For yourself and first child you can join any health insurance, but remember you can only leave it at certain times of the year! But your wife would, as you say, only get the supplementary insurance if she is not pregnant.

The basic insurance covers all the normal medical procedures. She cannot get a private room at the hospital, which in my view is a waste of money. Usually every working day the head of the hospital department visits every patient with the usual doctor, and checks that the patient is OK with the treatment he/she is receiving. Her health care will not change if she does not have supplementary insurance.

One thing to be careful with is ordering an ambulance. These are VERY expensive, and unless it is a REAL emergency, you should ALWAYS take a taxi to hospital.

You can get further information on the insurance website http://en.comparis.ch/umzug-schweiz.aspx

We have an EF member here whom will help you further, http://www.englishforum.ch/members/610-jenny.html

Government website, http://www.eda.admin.ch/eda/en/home/...ns/inshea.html

To avoid paying health insurance for all of April, try and register here with the Zug Gemeinde after 1st May 2012. Similarly for your wife & son, they will pay health insurance for the complete month in which they registered! You are covered by your Portuguese health insurance until you start working. The Swiss health insurance starts automatically on your first working day, so do not rush ahead and sign up for insurance during April.
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Old 22.02.2012, 09:20
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Re: Pregnancy and insurance

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Dear all,

I am moving to Switzerland, Zug, next end of April. My wife and little boy will come in the beginning of August.
My wife is now pregnant and the new baby will born next end of September.
Can you please tell me the best approach for the health insurance?
I was thinking on doing my own in May and extend it for all the family on August.
I've read that to have the "pregnancy" included on the insurance you have to do it 12 months in advance. What should I do?

Thanks in advance.
Facts in brief:
- your health insurance will start in the month you register with the gemeinde (back dated if you sign up later)
- your wife and child's insurance will start in the month they register with the gemeinde
- your wife will only be able to get basic coverage for the pregnancy (by law this covers without excess the normal necessary check-ups, birth, care after (ask your insurance company for specifics as they may have extras)
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Old 22.02.2012, 17:00
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Re: Pregnancy and insurance

I'm swiss and pregnant with twins on basic insurance - which is totally fine. I had and have a lot of extra scans and visits to the doctor and all is covered.
You allways get the treatments needed - and the according doctors for it.
As for hospital / rooms - the times i had to go in Zürich to the Universitätsspital to the womensward i was in a 3 beded room. No prob at all. Hospitals here a quite nice!
Important is that you tell the insurance that you want to insure your unborn baby - as extra insurnace (besides the baisic one) is better to be done before birth, as they might not cover extra things after. It doesn't make sense to insure kids half privat or private - as there are no private rooms in kidshospitals....
The extra insurance we're looking into is the dental insurance (1 in 3 kids in switzerland will need braces in their teens) - and that is not covered in your basic insurance.
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Old 22.02.2012, 20:57
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Re: Pregnancy and insurance

Hi again, many thanks for your quick and valuable answers.
Do you know if they normally provide Epidural in the public hospitals and with the basic insurance?

Thanks in advance.
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Old 22.02.2012, 21:04
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Re: Pregnancy and insurance

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Hi again, many thanks for your quick and valuable answers.
Do you know if they normally provide Epidural in the public hospitals and with the basic insurance?

Thanks in advance.
Yes, they do.
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Old 22.02.2012, 21:04
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Re: Pregnancy and insurance

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Hi again, many thanks for your quick and valuable answers.
Do you know if they normally provide Epidural in the public hospitals and with the basic insurance?

Thanks in advance.
Nope, just a glass of whiskey and a bullet to bite on.
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Old 22.02.2012, 21:11
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Re: Pregnancy and insurance

Thanks for the quick answers. About the whiskey...I will have my own.
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Old 22.02.2012, 23:20
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Re: Pregnancy and insurance

I was 6 months pregnant when I came to switzerland. There was no restriction for me to get insured. I've bought the basic insurance, it covers all the maternity cost, I had c-section as well. Just paid very little monies to upgrade to private room..
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Old 23.02.2012, 00:23
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Re: Pregnancy and insurance

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Important is that you tell the insurance that you want to insure your unborn baby - as extra insurnace (besides the baisic one) is better to be done before birth, as they might not cover extra things after.
Agreed, it is important to organise insurance for the unborn child. You only start paying when it is born.

The government Invalid Insurance (IV) will pay to correct any birth defects, and crooked teeth are considered a birth defect.
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