Hi Merog!
First of all, congratulations if you are or plan on getting pregnant!
To answer your question, there are two elements to take into account: The LAMal Health Care insurance and the Prenatal insurance.
LAMal insurance:
It's a mandatory and basic health care insurance which provides for the legal basic payments in case of sickness, accidents and also maternity. In case of maternity, the basic health insurance covers the costs of the following but not only:
- 7 Check-ups during pregnancy, post-natal care and breastfeeding advice.
- Giving birth in hospital, at a birthing center or at home.
- Ultrasound scans and tests for high-rish pregnancy.
Your health insurance also fully covers the costs of your baby's stay in hospital following the birth. BUT if your baby becomes ill, this is covered by the baby's insurance. Therefore, it is better to organise the baby's own health insurance before he/she is born.
To choose a suitable insurance, you can eihter compare your options (
https://en.comparis.ch/krankenkassen/default.aspx) or consult an health insurance expert (
http://prestaflex-service.ch/en/swiss-health-care).
The Prenatal insurance:
You can get personalised and professional advice about prenatal insurance so that you can enjoy your pregancy without any worries. For example with CONCORDIA Baby Bonus (
http://www.concordia.ch/en/private/l...ind_kommt.html)
At the end of your message you mentionned the word franchise in brackets. I had the feeling you maybe weren't sure what it exactly meant.
The Franchise is a contribution towards your total annual medical cost. It is calculated as a percentage of your total annual medical costs and capped at a yearly limit. By choosing to pay a higher yearly franchise, you can lower your monthly insurance premiums (for example if you are not getting ill much).
If you have further question about the franchise, you can get some help from an health insurance specialist CF Prestaflex. I hope I helped answering your question!
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