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Old 26.04.2016, 15:26
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when to buy insurance for baby

anyone knows when one should buy the health insurance for a new baby? do i need to do that before the baby's birth? thanks.
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Old 26.04.2016, 15:31
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Re: when to buy insurance for baby

Yes, but you won't get it till the baby is born. When baby is born you need to send an email or call the insurance with the birth date and they will send you his cards.

Before the baby is born they will ask for the baby's insurance. In our case we just gave the insurance name since we still hadn't the insurance number.

Also you may opt of no franchise since the first year he will need to do some checks which will for sure be more then 600chf in franchise which is the max I think.
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Old 26.04.2016, 15:33
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Re: when to buy insurance for baby

According to Swiss Authorities Online (ch.ch), health insurance needs to be taken out within three months after birth:

"Basic insurance – no later than three months after the birth Your baby must be insured by his/her legal representative for health risks from birth. To ensure that this cover applies, you have to take out health insurance for your baby within three months of his or her birth. Normally you will be contacted by the cantonal or communal authorities about this."


https://www.ch.ch/en/health-insurance-baby/
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Old 26.04.2016, 15:34
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Re: when to buy insurance for baby

You can organise everything prior to birth, then you just need to give them a call about the birth day and done.
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Old 26.04.2016, 15:43
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Re: when to buy insurance for baby

You don't need to get the insurance before the baby is born (see the law post from Mullhollander).

However, it is in your interest to do it before:

a) You will be too sleep deprived to choose an insurance once the baby is out;
b) If your baby is born with a birth defect, or gains one during the birth process, you might have problems being accepted afterwards if you need supplementary insurance (basic one cannot be refused);

It is therefore in your and the baby's interest to take care of it before the birth, and I would advise you to get supplementary insurance already - better prevent than be sorry. The price difference is minimal (I believe I pay about 13cf per month for the supplementary) and can help you if worse comes to worse (knock on wood).
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Old 26.04.2016, 19:15
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Re: when to buy insurance for baby

As multiple people have said before me, get it now. You have time and the baby will be covered for any undiscovered stuff too.

There will be lots of things to worry about and arrange once the little bundle of joy joins you.

Good luck and best wishes.
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Old 26.04.2016, 19:53
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Re: when to buy insurance for baby

As you have been advised it is better to get insurance before baby is born.
I didnt have time to insured my daughter before she was born as she was prematured. Once we were finally allowed to leave hospital I insured her and I needed to get some documents from the hospital confirming there was nothing wrong with her that could be excluded from the insurance cover due to her premature birth.
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Old 27.04.2016, 09:49
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Re: when to buy insurance for baby

thanks for all your reply
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Old 05.05.2017, 13:31
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Re: when to buy insurance for baby

This is very helpful - thank you!

Do you know if you pay the monthly payment for insurance when you sign up or when the baby is born?

Thanks for your help!
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Old 05.05.2017, 13:42
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Re: when to buy insurance for baby

You start paying from the month your baby is born. I have the proposals from my insurer and it's wriiten as such. Hope this helps
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Old 05.05.2017, 14:08
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Re: when to buy insurance for baby

Since you have been here from 2015- you must be insured yourself. It would make sense to ask your insurers to add the baby.
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Old 11.12.2017, 19:30
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Re: when to buy insurance for baby

Hello,

I also have to choose my insurance for our first due next year

I had a few issues after comparing the offer from my partners insurers with my insurers organised by my employers with a financial benefit

1) I cannot choose semi private before the baby is born - then have to fill out a questionnaire about its health before I can add this and it can be rejected if there is a problem - some other complimentary parts can be added
2) as we live in one Canton but the medical care is nearer by and better it the neighbouring canton, under the basic cover (that we as per above cannot change with my insurance as the semi private option also allows you to choose outside of your own Canton) we would not be able to go anywhere else than in our own canton. Added by the fact that I am due to give both in another canton then where i live, so what happens with the babies health costs directly after birth?
3) Insurance i have been told should be with the same company as the mothers as otherwise after birth some bills are neither paid by the mother or the child's insurance and it gets a mess
4) my partners insurance does do the semi private option pre-birth!

So all in all I have no idea what to do, choose my partners insurance just in case and change back to my insurance with financial benefits if the baby is healthy (praying for that ever day) and deal with the consequences of certain bills not being paid or think positive and assume all will be fine and put the baby under my insurance and hope the questionnaire to be filled out one month post birth is all positive....

Did any of you have the same dilemma?

Thanks
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Old 17.02.2018, 13:36
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Re: when to buy insurance for baby

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This is very helpful - thank you!

Do you know if you pay the monthly payment for insurance when you sign up or when the baby is born?

Thanks for your help!
In that website of ch.ch is written:

https://www.ch.ch/en/health-insurance-baby/

Quote:
If you register your child late (after three months), insurance cover begins from the date on which the policy is taken out, and the health insurance company will not reimburse your costs arising from the birth.

So this leads me to believe that if you sign up before the 3 months, you start paying from the child's birth date and insurance covers costs incurred earlier than the date you signed up for the insurance cover.

However I signed up my child earlier than after 3 months and yet the insurance is telling me they don't reimburse some costs incurred afterwards because she's not insured with them with the BASIC insurance...

Is it their mistake or did I get it wrong?
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Old 17.04.2018, 13:18
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Re: when to buy insurance for baby

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Hello,

I also have to choose my insurance for our first due next year

I had a few issues after comparing the offer from my partners insurers with my insurers organised by my employers with a financial benefit

1) I cannot choose semi private before the baby is born - then have to fill out a questionnaire about its health before I can add this and it can be rejected if there is a problem - some other complimentary parts can be added
2) as we live in one Canton but the medical care is nearer by and better it the neighbouring canton, under the basic cover (that we as per above cannot change with my insurance as the semi private option also allows you to choose outside of your own Canton) we would not be able to go anywhere else than in our own canton. Added by the fact that I am due to give both in another canton then where i live, so what happens with the babies health costs directly after birth?
3) Insurance i have been told should be with the same company as the mothers as otherwise after birth some bills are neither paid by the mother or the child's insurance and it gets a mess
4) my partners insurance does do the semi private option pre-birth!

So all in all I have no idea what to do, choose my partners insurance just in case and change back to my insurance with financial benefits if the baby is healthy (praying for that ever day) and deal with the consequences of certain bills not being paid or think positive and assume all will be fine and put the baby under my insurance and hope the questionnaire to be filled out one month post birth is all positive....

Did any of you have the same dilemma?

Thanks
I see it's late, nonetheless I try to answer:

1)I'm not sure about your terms, there's a difference "LAMAL" (mandatory insurance) and complementary (not mandatory). You can chose a complementary before birth and the insurance must accept you. After birth, you have up to 3 months to register to the mandatory one (knowing that if you don't have insurance and there are costs in the meantime, they are for you). Which is why I don't understand why you say you "can't choose" before birth.

2)Your mandatory insurance (LAMAL) can be use in your canton of residency AND also in your canton of work. For the baby, clearly, if there is costs in another canton, they are for you as it's being kind of not insured. However, since 2009 and 2012, there's a notion of "différence tarifaire" (rates différence) which means that you can choose to be treated in another canton, but if canton B is more expensive, you have to pay the difference yourself. If it's less expensive, the insurance does not have to refund you.

Therefore I am not sure if say baby is born in canton B, if it's worth to pay for the little option to complement the "LAMAL" for having cost anywhere (which adds maybe around 100chf-200chf/year?). The baby is covered in case of emergency anyway. If what I said regarding "différence tarifaire" then maybe it's worth to check and eventually accept the small risk.

Note, if it's an emergency that does not count, see:
https://en.comparis.ch/krankenkassen...geversicherung


3) I am 100% sure that this one is not true. It's not a mess and you can choose the insurance of your choice for your baby. Bills are treated exactly the same way. Very often the price difference is much more worthy to have 2 different insurances companies as the child prices differ greatly than adult prices for the mandatory part (LAMAL).


4) Your partner insurance (at least for the LAMAL) is not relevant here. I don't know anything about complementary, but I think it's based on individuals not familly and therefore, is probably irrelevant.


Based on the above and the additional research you should be making, I think it's best to give birth in the canton of your choice, as related baby cost should be covered, at least as per your canton of residency rate. I doubt rates are so different, it will be your task to check.
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Old 17.04.2018, 14:07
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Re: when to buy insurance for baby

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1)I'm not sure about your terms, there's a difference "LAMAL" (mandatory insurance) and complementary (not mandatory). You can chose a complementary before birth and the insurance must accept you. After birth, you have up to 3 months to register to the mandatory one (knowing that if you don't have insurance and there are costs in the meantime, they are for you). Which is why I don't understand why you say you "can't choose" before birth.
That one is wrong. Complementary insurer are totally free too chose who they want to insure and to what extend. Some insurance provider offer complementary insurance for unborns no question asked, other will offer this option only ante-natal and after a health check.

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2)Your mandatory insurance (LAMAL) can be use in your canton of residency AND also for non stationary treatment in your canton of work.
See Art. 41 al. 3bis LAMAL https://www.admin.ch/opc/fr/classifi...index.html#a41
Treatments in emergency cases can be done anywhere.

For number 3) the problem is that the actual birth and the directly related costs are billed to the mothers insurance. But if the baby is ill and needs extra treatment it will billed to the child's insurance. If it is the same insurance company they can sort it out themselves internally. If two insurance provider are involved they may argue between them what is birth related (mother's insurance) or illness related (child's insurance). In the meantime the hospital wants its money and bills the parents directly.
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Old 17.04.2018, 15:51
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Re: when to buy insurance for baby

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That one is wrong. Complementary insurer are totally free too chose who they want to insure and to what extend. Some insurance provider offer complementary insurance for unborns no question asked, other will offer this option only ante-natal and after a health check.


See Art. 41 al. 3bis LAMAL https://www.admin.ch/opc/fr/classifi...index.html#a41
Treatments in emergency cases can be done anywhere.

For number 3) the problem is that the actual birth and the directly related costs are billed to the mothers insurance. But if the baby is ill and needs extra treatment it will billed to the child's insurance. If it is the same insurance company they can sort it out themselves internally. If two insurance provider are involved they may argue between them what is birth related (mother's insurance) or illness related (child's insurance). In the meantime the hospital wants its money and bills the parents directly.
Thanks for correcting me if I was wrong. I though this page was saying that they can't refuse the baby prior birth:

"https://translate.google.com/transla...ung&edit-text=

So it's more like they can refuse registration prior birth for complementary, but it's unlikely since they don't know the baby's health?
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Old 20.04.2018, 11:28
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Re: when to buy insurance for baby

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"2)Your mandatory insurance (LAMAL) can be use in your canton of residency AND also for non stationary treatment in your canton of work."
See Art. 41 al. 3bis LAMAL https://www.admin.ch/opc/fr/classifi...index.html#a41
Treatments in emergency cases can be done anywhere.
There's an important update about that one. It's true that since Jan 2018 there's now the possibility to go to the canton of your choice for non stationnary treatment without financial prejudice.

https://translate.google.com/transla...295&edit-text=

Reminder: Before Jan 2018, it was like this: costs are covered up to the rate applicable to the insured's place of residence or work or in the surrounding area. The balance is assumed by the patient.


The important detail is that it concerns "LAMAL", the generic version. Many have choosen the alternative models, like the "medecin de famille" (familly doctor). That means, that in that case they must comply with the specific requirements (going first to the doctor listed as medecin de famille). It means to be careful with the new law otherwise you will not get refunded at all!
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Old 29.04.2018, 13:49
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Re: when to buy insurance for baby

Certain insurances allow to sign a prenatal insurance under the mother's insurance.
This is very interesting as it covers any kind of health (hopefully not) issue that might manifest after the birth.
If the insurance include the complementary the insurance can't reject the coverage
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