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Old 18.01.2014, 21:22
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Supplementary insurance while being pregnant ("existing condition")

Hello
I am aware that most supplementary insurances will not cover any "existing conditions" - specifically for pregnancy though, is there a company which shall cover pregnancy as an "existing condition" with immediate effect?
Thanks for the inputs.
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Old 18.01.2014, 22:04
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Re: Supplementary insurance while being pregnant ("existing condition")

The 3 or 4 supplementary offers I have seen specifically only cover pregnancy starting 365 days after the beginning of the contract. That was the only exception of this kind I saw on supplementary insurance.
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Old 18.01.2014, 22:28
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Re: Supplementary insurance while being pregnant ("existing condition")

The compulsory basic Swiss health insurance covers everything. What do you need as extras?

http://www.bag.admin.ch/themen/krank...x.html?lang=en
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Old 18.01.2014, 22:42
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Re: Supplementary insurance while being pregnant ("existing condition")

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What do you need as extras?
Too posh to push ?
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Old 18.01.2014, 23:32
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Re: Supplementary insurance while being pregnant ("existing condition")

Go for the full Monty for the kid. After the birth you can roll back all the stuff you don't need.
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Old 19.01.2014, 06:56
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Re: Supplementary insurance while being pregnant ("existing condition")

Nobody is going to sell you supplementary insurance knowing you'll cash out on the benefits in a few months. It's a losing proposition for the business.
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Old 19.01.2014, 11:39
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Re: Supplementary insurance while being pregnant ("existing condition")

Is there an insurance company that will cover the collision damage I already caused?




Ooops, wrong thread....
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Old 19.01.2014, 11:50
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Re: Supplementary insurance while being pregnant ("existing condition")

If you are wanting a private room, you can often negotiate with the facility to pay the difference for that. You haven't specified what it is you want from the supplemental coverage, so it is hard to give more advice at this point.
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Old 19.01.2014, 20:51
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Re: Supplementary insurance while being pregnant ("existing condition")

Doesnt supplementary only give you a few extra sonograms and semi-private/private room? I read in one of these posts about some insurance that require 270 days vs the 365 days. Thats the lowest wait time that I have seen in my search. Good luck!
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Old 19.01.2014, 21:50
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Re: Supplementary insurance while being pregnant ("existing condition")

I think for the actual birth, there is little difference between normal and supplementary insurance. (I might be wrong there, my experience is over 20 years ago)

Afterwards with supplementary insurance you get a private or a semi private room. Mostly you are seen by the chief doctor.

Without the supplementary you might be in a room with up to 3 other women, if it is busy, or you might be alone in a 4 bedded room. You would also be seen every day at least, by a junior qualified doctor, who is obliged to call in the senior doctor if anything is unusual.

Mothers learn from each other, and I would personally choose the basic system, rather than be isolated in a private room.
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Old 19.01.2014, 22:50
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Re: Supplementary insurance while being pregnant ("existing condition")

Actually I do wonder what is the difference for birth in private vs public. One concern is that in many countries unless it is a good/private*** hospital, they are impatient with people giving birth. For example, often going for stitches even though it is possible not to but requires more patience on doctor and other's side.
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Old 20.01.2014, 00:01
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Re: Supplementary insurance while being pregnant ("existing condition")

We opted for half private when we had our child, but to this day I still do to know the difference between normal, half private and private. The only thing I know is that the half private cost us 14K CHF and we were given a room to ourselves.
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Old 20.01.2014, 06:29
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Re: Supplementary insurance while being pregnant ("existing condition")

I can see how someone might want a private room to have more privacy, get more quiet time/rest..etc. I also like the comment about learning from other mums, although it depends on how sociable your "roommates" are at the hospital.

I've found that some women aren't aware you can check out of the hospital quite soon after the birth. If you feel okay, you're not required to go into a recovery room for days. I think some mums like the extra help you get in the hospital, especially when it's not their first baby. But for me, I feel most comfortable recuperating at home with my family. The insurance company must love me.
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Old 20.01.2014, 09:40
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Re: Supplementary insurance while being pregnant ("existing condition")

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Hello
I am aware that most supplementary insurances will not cover any "existing conditions" - specifically for pregnancy though, is there a company which shall cover pregnancy as an "existing condition" with immediate effect?
Thanks for the inputs.
As said, pregnancy is not an "existing condition", meaning they will refuse you because are pregnant, but most insurances say you cannot claim pregnancy-related stuff for the first year.

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Go for the full Monty for the kid. After the birth you can roll back all the stuff you don't need.
Not really possible, as most supplementary insurances have 5-years minimum contract. So can't just cancel in December. Given that supplemtary generally costs nearly as much as Basic Insurance (~200 CHF per month without dental), with supplementary for 5 years you are committing to ~12,000 CHF over 5 years, with a 1000 franchise. If your aim is to use it for birth of a child, may be more cheap to just pay the 14k difference or whatever, what Basic insurance covers and what you would like.

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We opted for half private when we had our child, but to this day I still do to know the difference between normal, half private and private. The only thing I know is that the half private cost us 14K CHF and we were given a room to ourselves.
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Old 20.01.2014, 10:58
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Re: Supplementary insurance while being pregnant ("existing condition")

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Actually I do wonder what is the difference for birth in private vs public. One concern is that in many countries unless it is a good/private*** hospital, they are impatient with people giving birth. For example, often going for stitches even though it is possible not to but requires more patience on doctor and other's side.
I don't think that's much of an issue here (though I'm sure it is in other countries). I've had two children in Switzerland under the basic insurance. For the first, I was given a labor room even though I was only 2 cm dilated (and I'd be there for 12 more hours before the birth). I wasn't rushed to deliver, and it was a complicated birth, attended in the end by two head doctors. I also needed a whole lot of stitches afterwards...

I have heard stories from two friends who felt rushed at Unispital in Zurich, but I think that's more of an issue with them being more surgical than other hospitals, rather than a public/private issue (since both women were on private insurance).

As far as the differences, for basic you'll be attended to by a less-experienced doctor (not an Oberarzt/head doctor) unless something interesting happens, in which case the Oberarzt will come. The room for recovery (not for delivery, obviously) is also shared by up to four women for basic. For half-private, you have one roommate, private patients get a single room-and both half-private and private rooms have a bathroom en suite. The menu may also be different for half-private and private patients and at some hospitals the private wards are in a different area.

Basically, the extra money is for the room, since if you actually need the extra medical care, you'll get it in any case. I would also look into negotiation for a private or half-private room, with the understanding that you could be asked to move if they need the space for someone carrying private insurance.
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Old 20.01.2014, 11:10
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Re: Supplementary insurance while being pregnant ("existing condition")

Many maternity wards in the Zurich area have at the very most two beds in the room and they might not be stocked with two new mothers.

Why don't you talk to your OB about birthing options and locations and go visit them?
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Old 20.01.2014, 11:49
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Re: Supplementary insurance while being pregnant ("existing condition")

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Many maternity wards in the Zurich area have at the very most two beds in the room and they might not be stocked with two new mothers.

Why don't you talk to your OB about birthing options and locations and go visit them?
I may be a little out of date, but as of 2010, this is not true, at least in the city. Both Unispital and Triemlispial had four beds per public room. There's also been a bit of a baby boom in Zurich, so the chances of beds being underbooked is pretty low.

http://www.srf.ch/news/regional/zuer...i-den-hebammen
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Old 20.01.2014, 12:48
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Re: Supplementary insurance while being pregnant ("existing condition")

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I don't think that's much of an issue here (though I'm sure it is in other countries). I've had two children in Switzerland under the basic insurance. For the first, I was given a labor room even though I was only 2 cm dilated (and I'd be there for 12 more hours before the birth). I wasn't rushed to deliver, and it was a complicated birth, attended in the end by two head doctors. I also needed a whole lot of stitches afterwards...

I have heard stories from two friends who felt rushed at Unispital in Zurich, but I think that's more of an issue with them being more surgical than other hospitals, rather than a public/private issue (since both women were on private insurance).
In which hospital did you give birth?
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Old 20.01.2014, 12:59
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Re: Supplementary insurance while being pregnant ("existing condition")

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In which hospital did you give birth?
I went to Triemlispital for both births.
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Old 20.01.2014, 13:03
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Re: Supplementary insurance while being pregnant ("existing condition")

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I may be a little out of date, but as of 2010, this is not true, at least in the city. Both Unispital and Triemlispial had four beds per public room. There's also been a bit of a baby boom in Zurich, so the chances of beds being underbooked is pretty low.

http://www.srf.ch/news/regional/zuer...i-den-hebammen
Any idea why there are more babies? The article gives no hint, is more of a report.
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