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Old 12.06.2017, 15:45
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Swica Pregnancy cover

Dear all,
Do you know from your own experience which Pregnancy Treatments can be payed by Swica?
Meaning things like Yoga for pregnant, Birth Preparation course, Acupuncture, Doula, Number of Midwife visits, breastfeeding consultation, etc?

I have semiprivate insurance with SWICA plus the following Top-ups:
Completa Top
Completa Praeventa
Optima

I think we pay a lot, and we are always healthy, so I will like to take advantage now that we are expecting a baby.

For example a friend told me the mom receives from Swica"Stillgeld", 200chf if she can prove she breastfed for 3 months

Thanks a lot for any input you might have!
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Old 12.06.2017, 16:12
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Re: Swica Pregnancy cover

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Dear all,
Do you know from your own experience which Pregnancy Treatments can be payed by Swica?
Meaning things like Yoga for pregnant, Birth Preparation course, Acupuncture, Doula, Number of Midwife visits, breastfeeding consultation, etc?

I have semiprivate insurance with SWICA plus the following Top-ups:
Completa Top
Completa Praeventa
Optima

I think we pay a lot, and we are always healthy, so I will like to take advantage now that we are expecting a baby.

For example a friend told me the mom receives from Swica"Stillgeld", 200chf if she can prove she breastfed for 3 months

Thanks a lot for any input you might have!
Nothing like taking advantage of the insurance company,

One day when their's nothing left and you need something that is expensive, you'll maybe think about this.

Why don't you ask your insurance company directly what they provide and what is paid for ?
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Old 12.06.2017, 17:17
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Re: Swica Pregnancy cover

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Nothing like taking advantage of the insurance company,

One day when their's nothing left and you need something that is expensive, you'll maybe think about this.

Why don't you ask your insurance company directly what they provide and what is paid for ?
Sorry but this is a unfair.. although the OP said 'taking advantage' she obviously meant use what she is actually already paying for. Isn't it just good common sense if anything else to ASK for what we've paid for? We'd be chastised for not doing it. Last time I checked insurance companies weren't charities either.

To answer the OP, congratulations on your pregnancy! Swica is a great company and you'll find they have no issue with reimbursing you. My pregnancy costs have been covered by them and they've been v helpful.

1. Breastfeeding consultation is reimbursed up to 200 CHF when the midwife confirms you have breastfed/tried to BF for at least 10 weeks

2. Completa Praeventa will also cover a pelvic floor rehabilitation course after the birth, as well as antenatal and postnatal exercises courses

3. The obligatory insurance will cover midwife visits after the birth too - I believe it's 3 visits maximum. Not sure if you know but you need to organise a midwife yourself! Best do this sooner rather than later - it took me a while to find someone in my area who was available at peak holiday time. https://www.hebammensuche.ch/

Here's a great overview of all the services and one specifically for Completa Praeventa (go to the Download section)

As a side note, if you haven't already, consider organising your child's health insurance now. Not only are you able to take out supplementary insurance which may be refused after the birth (due to health reasons), but it's one less thing to organise. I'd recommend a 0CHF franchise. Check out this thread for more info/opinions
Immunisation process- newborn

Happy to help if you have any questions!

Also, as you said you think you might be overpaying, you may well be - I had similar coverage to you and was overinsured for what I needed. Definitely take a look through their website/PDF overviews and see what you really need. You can also get a quote from them to see how much you could save.

Best of luck with your pregnancy

Last edited by Claire_CH; 12.06.2017 at 17:25. Reason: corrected link
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Old 12.06.2017, 17:27
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Re: Swica Pregnancy cover

I think it was VERY clear what she was saying
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Old 12.06.2017, 17:33
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Re: Swica Pregnancy cover

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I think it was VERY clear what she was saying
Yes, it's perfectly clear. She wants to know what she's entitled to claim under the health insurance for which she has paid full premiums for quite some time, under which she is covered for pregnancy-related costs.

What's your problem with that? Presumably, if you have dental insurance and need to go to the dentist, you refrain from claiming on your health insurance, as that would be sheer opportunism.

But yeah, actually I'm with you. All these welfare cheats getting pregnant just so they can claim the CHF 200 breastfeeding consultation payment. smh.

Last edited by 22 yards; 14.06.2017 at 09:16. Reason: Double word
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Old 12.06.2017, 19:55
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Re: Swica Pregnancy cover

My appologies if iread this wrongly: a better description may have have been "entitled too" rather than "take advantage"
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Old 14.06.2017, 09:28
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Sorry but this is a unfair.. although the OP said 'taking advantage' she obviously meant use what she is actually already paying for. Isn't it just good common sense if anything else to ASK for what we've paid for? We'd be chastised for not doing it. Last time I checked insurance companies weren't charities either.

To answer the OP, congratulations on your pregnancy! Swica is a great company and you'll find they have no issue with reimbursing you. My pregnancy costs have been covered by them and they've been v helpful.

1. Breastfeeding consultation is reimbursed up to 200 CHF when the midwife confirms you have breastfed/tried to BF for at least 10 weeks

2. Completa Praeventa will also cover a pelvic floor rehabilitation course after the birth, as well as antenatal and postnatal exercises courses

3. The obligatory insurance will cover midwife visits after the birth too - I believe it's 3 visits maximum. Not sure if you know but you need to organise a midwife yourself! Best do this sooner rather than later - it took me a while to find someone in my area who was available at peak holiday time. https://www.hebammensuche.ch/

Here's a great overview of all the services and one specifically for Completa Praeventa (go to the Download section)

As a side note, if you haven't already, consider organising your child's health insurance now. Not only are you able to take out supplementary insurance which may be refused after the birth (due to health reasons), but it's one less thing to organise. I'd recommend a 0CHF franchise. Check out this thread for more info/opinions
Immunisation process- newborn

Happy to help if you have any questions!

Also, as you said you think you might be overpaying, you may well be - I had similar coverage to you and was overinsured for what I needed. Definitely take a look through their website/PDF overviews and see what you really need. You can also get a quote from them to see how much you could save.

Best of luck with your pregnancy
Claire!
Thank you so much!! your answer is just perfect! very comprehensive! Just what I needed , since you are writing your experience, providing the info from Swica (to download), and even given further advices like hebamme and new born insurance!

Something for instance that I will totally appreciate after 9 months of bloating and all the extra kilos, is the pelvic floor rehabilitation course and postnatal exercises!
Breastfeeding consultation was for me also critical , as I've been told breastfeeding is not so easy as it might seem and these experts can guide you to achieve it. I really want to breastfeed since it is the best for the health of the baby!

I tried to find out how I could thank your post but apparently you can only do so when you have written more than 10 posts in EF, and so far I haven't.
Being pregnant can be a bit overwhelming and a feeling of security regarding health and financial situation is relieving!!

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My appologies if iread this wrongly: a better description may have have been "entitled too" rather than "take advantage"
You are too quick to judge! (My guess is you have never been pregnant, tons of questions strike you)
English is not my mother tongue as you can tell, but thanks for the tip I will be very careful because I give you that, you are totally RIGHT , I should use the term "entitled to" after years of paying very high Prämien.
In my country insurances work otherwise, so I dont know what I am entitled to have here, and it is for me even more important since I have payed several zusatzversicherungen (complementary insurances) for a while . I understand your position since I also have a Swiss friend that explained me , that people that "overuse/overcharge" the insurance companies are causing insurances to be even more expensive. But believe me , it is not my case.

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Yes, it's perfectly clear. She wants to know what she's entitled to claim under the health insurance for which she has paid full premiums for quite some time, under which she is covered for pregnancy-related costs.

What's your problem with that? Presumably, if you have dental insurance and need to go to the dentist, you refrain from claiming on your health insurance, as that would be sheer opportunism.

But yeah, actually I'm with you. All these welfare cheats getting pregnant just so they can claim the CHF 200 breastfeeding consultation payment. smh.

Hahaha
Thanks a lot!
Have a nice day!

Last edited by 3Wishes; 14.06.2017 at 22:03. Reason: merging consecutive replies
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