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Old 18.09.2019, 11:32
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Swica - early highrisk pregnancy (from IVF) and travelling on business

I had recently moved to Switzerland and using SWICA since May 2019 as my health insurance. I had IVF treatment abroad in August and now I am 8 weeks pregnant (I am 40 years old). During that treatment the overseas clinic discovered I have some autoimmune issues that probably caused early miscarriage that I had in June (not even reported to Swica as it happened during my holidays and did not require any medical assistance). I already know that I can only be covered by basic insurance and the full costs will be paid only if I pass 13 weeks mark (I am still waiting for the bills for all the recent checkups and prescribed medication that I will have to use during the entire pregnancy).

So here is the thing - my company requires me to travel in October (when I will be 10 weeks) to the US and there is no way I can cancel this trip.
Would Swica cover any emergency related to my pregnancy abroad at such an early stage and if the pregnancy is a result of IVF treatment? I am fit to fly and will get additional check one day prior to my travel but I also heard that the newly insured customers (I moved to Switzerland in May) will not be covered for pregnancy related issues abroad. Did anyone of you have any experience / knowledge regarding such situation? Can you recommend any other Swiss insurance company that would be willing to cover me for such a "pre-existing" condition?
Thank you!
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Old 18.09.2019, 11:46
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Re: Swica - early highrisk pregnancy (from IVF) and travelling on business

Once you are pregnant, the insurance doesn't treat it any different to any other pregnancy (i.e. if you had fallen pregnant through the "normal" means).
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Old 18.09.2019, 13:13
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Re: Swica - early highrisk pregnancy (from IVF) and travelling on business

Congratulations on your pregnancy.

The only insurance exclusion I know of with respect to pregnancy is for the supplemental insurance. Those usually exclude pregnancy-related costs for the first year after you join.

The basic insurance should cover any emergencies abroad, although you might have to pay first and submit for reimbursement later.

As Sandgrounder says it doesn't matter how you got pregnant, at least not from an insurance perspective.

I'm not sure what you mean about 13 weeks. My basic insurance covered from the time we knew I was pregnant, which was about 5 weeks. They paid everything that the doctor said was necessary - medications, scans, etc.
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Old 18.09.2019, 13:21
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Re: Swica - early highrisk pregnancy (from IVF) and travelling on business

What’s more important, the job or the baby ?

Get a doctors’ note or tell your employer you’re not travelling. At 40 this may be last chance for baby, you can easily get another job.

Your company canot sack hou if you’re pregnant.

Don’t forget, the cemetery is full of irreplaceable people
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Old 18.09.2019, 14:06
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Re: Swica - early highrisk pregnancy (from IVF) and travelling on business

Does Swiss health insurance cover you at all in the US? I thought it was only within the EU? Otherwise travel insurance is required...
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Old 18.09.2019, 14:24
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Re: Swica - early highrisk pregnancy (from IVF) and travelling on business

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Does Swiss health insurance cover you at all in the US? I thought it was only within the EU? Otherwise travel insurance is required...
Not for routine care or things like a cold or flu, but I'm pretty sure at least some emergencies are covered. I rolled my ankle a few years back and went to the local "urgent care" center to make sure nothing was broken. An urgent care center is kind of in between a GP and an A&E in case you've never heard of them.

I had to pay up front and it was subject to my franchise, but my Swiss insurance reimbursed the costs for the doctors, x-rays, pain meds and ankle brace. I think I only lost a little on exchange rate since I had paid in USD but was reimbursed in CHF.

I seem to recall somewhere in the paperwork that they would only cover up to 2x the reasonable cost in Switzerland for emergencies. Therefore they recommended supplemental travel insurance to cover major emergencies, particularly in expensive places like the USA. Had I needed emergency major surgery or something, that could have been eye-watering.

Edit to add - I think was considered an accident, but at the time I was not working so my insurance provider was the same for accident and health, and they processed it the same as any of my Swiss doctor bills.

Edit to add more - Here's the FAQ document from the FOPH. See page 11. It's not exactly as I thought, so OP should check with her insurer and if necessary, take out supplemental travel insurance for emergencies.
https://www.bag.admin.ch/dam/bag/en/...ntworten-e.pdf

Last edited by 3Wishes; 18.09.2019 at 14:34. Reason: adding accident bit and FAQs from FOPH
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Old 18.09.2019, 14:27
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Re: Swica - early highrisk pregnancy (from IVF) and travelling on business

Thank you for all the valuable information! I guess I will contact my agent to clarify what is covered abroad or not (I have additional travel insurance with Swica as well, and many additional upgrades that I am sure will no apply in my current case). I will also check if Swica is covering medication cost from the very beginning (I heard it is only from 13 weeks of pregnancy and any medication prescribed before might be classified as "illness"). However I am happy to hear sometimes it is possible to get a full cover in the early stages
My Swiss doctor does not see any problem with my travel (so far all is well with the pregnancy and I feel very well), so he will not write any false statement that I cannot take a flight.
All is new to me, so any of your opinion is very welcomed!
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Old 18.09.2019, 14:43
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Re: Swica - early highrisk pregnancy (from IVF) and travelling on business

Under your basic insurance coverage outside of Switzerland/EU is limited to emergency treatment and a maximum of double of what would be paid in Switzerland.
https://www.ch.ch/en/health-insurance-cover-abroad/

For an ugly example what could happen in terms of costs:
https://www.sanitas.com/en/private-c...uest-care.html

Simply find a travel/health insurance which does not require you to make any disclosures and check in the fine print that unexpected complications for pregnancy are covered (or at least not excluded).
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Old 18.09.2019, 15:36
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Re: Swica - early highrisk pregnancy (from IVF) and travelling on business

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Does Swiss health insurance cover you at all in the US? I thought it was only within the EU? Otherwise travel insurance is required...
At twice the cost of treatment in Switzerland so in reality not really.
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Old 18.09.2019, 15:36
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Re: Swica - early highrisk pregnancy (from IVF) and travelling on business

I also have Swica and was advised by them to buy a supplement for coverage while traveling in the United States. The reason is that emergency health care in the USA is insanely expensive and basic coverage doesn't guarantee it will cover it. The supplement I have covers all emergency care in the USA that it would cover in CH
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Old 18.09.2019, 17:28
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Re: Swica - early highrisk pregnancy (from IVF) and travelling on business

You're 40, recently had a miscarriage, got some auto-immune issues......you really want to risk going through all this again ?


Sod the job, get another one, kids are far more fun !
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