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Old 07.03.2012, 00:55
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Insurance for baby

I am expecting my first child in 2 weeks. I have received an insurance anmeldung from my insurance agency for the baby as well. Before signing that, I checked comparis.ch and found out that there are other insurance companies that are offering baby insurance cover for much cheaper.

I am confused if I should get the insurance for my baby from my insurance or should I get it from a new insurance company?.. Any pros and cons for either based on any of your experience..?

Thanks in advance
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Old 07.03.2012, 03:28
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Re: Insurance for baby

It really doesn't matter very much, as the premiums are something like SFr 50 per month. Just sign up with your company as you know their procedures, and do it soon!
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Old 07.03.2012, 09:11
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Re: Insurance for baby

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It really doesn't matter very much, as the premiums are something like SFr 50 per month. Just sign up with your company as you know their procedures, and do it soon!
There is a difference of ~500CHF per year between the cheapest and most expensive insurance for a baby. You are not obliged to take your babies insurance with your current company, I had different insurance for me and my baby.
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Old 07.03.2012, 09:34
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Re: Insurance for baby

Key point is simply to makes sure you've signed the contract before birth.

VERY IMPORTANT!!!!!!

So whatever you choose to do, do it today.
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Old 01.04.2012, 20:46
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Re: Insurance for baby

thanks everyone
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Old 09.05.2012, 20:55
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Re: Insurance for baby

i tried to apply insurance for baby online. and it asked me the name of the baby. But i don't have one yet, still not sure if it's a boy or girl.
can this be change when the baby is born?
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Old 17.05.2012, 05:43
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Re: Insurance for baby

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i tried to apply insurance for baby online. and it asked me the name of the baby. But i don't have one yet, still not sure if it's a boy or girl.
can this be change when the baby is born?
Of course ! Date of birth !! (you obviously don't know when he will be born !!) and name as well as sex can be adjusted !!

It is normal when you assure a baby in prénatal.
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Old 17.05.2012, 08:23
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Re: Insurance for baby

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I am expecting my first child in 2 weeks. I have received an insurance anmeldung from my insurance agency for the baby as well. Before signing that, I checked comparis.ch and found out that there are other insurance companies that are offering baby insurance cover for much cheaper.

I am confused if I should get the insurance for my baby from my insurance or should I get it from a new insurance company?.. Any pros and cons for either based on any of your experience..?

Thanks in advance
Our first child was born in February. We, too, received a sign-up form from our insurance company. For us, it was clear that we'd never insure our baby with the same company, as they have been a PITA over the last couple of years for the two of us.

Anyway - we ended up going with Helsana. The insurance for our baby is 108 Fr. per month. This might seem a lot, but it includes several things that you'll definitely want later and which might not be available to you anymore once the child gets older:

- dental insurance. You need to get this while your child's teeth are still good (or not here, in our case :-). Once your child has the first cavities, it's close to impossible to get that type of insurance in Switzerland. Dental insurance actually doesn't cost much and will pay for itself should your kid need braces later in life.

- hospital coverage in all of Switzerland (this one's essential if you live in a rural area without a top-notch hospital in your canton. Otherwise, your child won't have access to hight-tech medicine should it ever need it)

- freedom to choose your doctor (might not be important to you but is very important to us)

- accident coverage

Also, if you'd like to get semi-private or private insurance for your child, get it as soon as they let you. The older a person gets and the more "problem" he or she's had (accidents, diseases etc.), the less likely it becomes to be accepted into private insurance).

After having compared several insurance companies, Helsana turned out to be the only non-shoddy-looking one that offers all of this below 130 Fr. per month.

Peter
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Old 29.05.2012, 09:25
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HMO or GP mode for Baby Insurance

When you choose the HMO or GP mode for baby, can you take a pediatric as GP? My friend told me that for her baby, she can choose a pediatric as his GP. I tried to do the same thing but from the list of doctor that i received all of them are general medicine. She insured with Assura, i tried for Helsana.

thx
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Old 29.05.2012, 09:31
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Re: HMO or GP mode for Baby Insurance

one more thing? does baby obligate to take accident insurance??
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Old 29.05.2012, 11:53
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Re: HMO or GP mode for Baby Insurance

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one more thing? does baby obligate to take accident insurance??
Yes.

Since it is compulsory, you will always be insured. Therefore your insurance will be forced to cover your accident (if you have an accident ... ) and the insurance will be asking you to pay the months you had to be insured and you weren't.

Exemple : if you are employed and stop working ... you become independent. Nobody will pay for your accident insurance. And you do not modify your insurance contract to be covered for accident. Therefore you are not covered.
If an accident takes place, your health insurance will be covering for your accident and they will ask you to pay the accident optionality premium since the day you were not insured anymore.
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Old 30.05.2012, 11:54
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Re: HMO or GP mode for Baby Insurance

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When you choose the HMO or GP mode for baby, can you take a pediatric as GP? My friend told me that for her baby, she can choose a pediatric as his GP. I tried to do the same thing but from the list of doctor that i received all of them are general medicine. She insured with Assura, i tried for Helsana.

thx
AFAIK there's free choice of pediatricians, gyns and opticians even in the HMO and GP schemas. For babies the pediatrician becomes the de facto GP.
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Old 30.05.2012, 12:40
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Re: HMO or GP mode for Baby Insurance

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AFAIK there's free choice of pediatricians, gyns and opticians even in the HMO and GP schemas. For babies the pediatrician becomes the de facto GP.
That's true for the current system. If the managed care crap gets voted into action, these will be things of the past. While theoretically, you can still choose your gynecologist and optician freely (not your pediatrician, though), that only goes if your health-care provider has contracts with the particular practice you choose. Considering that there are very few specialists in most rural areas, managed care will also mean that you de facto won't have choice in these matters anymore, either.
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Old 30.05.2012, 13:23
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Re: Insurance for baby

We set up a prenatal plan with Insurance Jenny (do a quick search on this forum to find her contact info) and I'm so glad we did! There was concern that our daughter had aspirated amniotic fluid when she was just one day old and she had to be transferred to the Neonatologie at the University Hospital. The insurance covered EVERYTHING!! There was nothing to be worried about in the end, but the doctors wanted to be safe instead of sorry and having the insurance already in place gave me peace of mind.

Our insurance is with Mutuel, our supplementary with Sana24 and our daughter's is with Visana. Her basic policy is around 85 chf per month and covers basic medical with hausarzt (main doctor), accident, etc. Then we added on supplementary for 20 chf per month, which covers her out of the country on vacations up to eight weeks long, emergency transport, alternative therapies etc. While in the USA she had to see a doctor and they reimbursed me for the visit 90%. In short, insurance in Switzerland is awesome!

But, as others have already said, sign the forms and get it sorted BEFORE you give birth. So important!!! So so so important! Have an awesome birth!
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