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Old 29.01.2020, 19:10
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Advice for insuring newborn, all the bells and whistles?

Hi All,

Expecting my first child in April and hoping to get some advice regarding health insurance.

I'm in good health so am happy with a basic telmed model without any extras but am I right in thinking that you should basically get as much insurance as possible pre-birth (basic + supplementary+ private hospitals etc) because you never know what's going to happen and if the poor kid ends up with some chronic issues it will be too late to change?

The calculation being that it is better to pay a few extra 100's francs in the first year or two, then if all is well put them on a more basic insurance, than to risk being bankrupt by potential complications.

Any advice/tips/experience? Is all this supplementary stuff really worth it? The basic coverage seems fine to me but maybe its just because i have been lucky.

Thanks in advance from a brit not used to paying for (and therefore clueless about) healthcare!
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Old 29.01.2020, 19:22
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Re: Advice for insuring newborn, all the bells and whistles?

You only should take the extra's that you personally please, there is zero medical reason to go to a private clinic for birth, but if you feel comfortable with such or prefer a single room, yeah sure take the insurance. As for the others, everything involved with your pregnancy and his/her birth is already insured under the basic insurance.

On the other hand it is indeed very cheap for the little one. We took nothing extra except dental insurance where we picked maximum coverage, and this is going to pay off for us since we're going to spend 5.000,- on him soon.
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Old 29.01.2020, 19:25
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Re: Advice for insuring newborn, all the bells and whistles?

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... am I right in thinking that you should basically get as much insurance as possible pre-birth (basic + supplementary+ private hospitals etc) because you never know what's going to happen and if the poor kid ends up with some chronic issues it will be too late to change?

The calculation being that it is better to pay a few extra 100's francs in the first year or two, then if all is well put them on a more basic insurance, than to risk being bankrupt by potential complications.
Yes. This. Exactly. With regard to the baby, and you should buy this insurance before the birth. But I agree with Edwin about the general insurance for the mother being sufficient, unless, as he says, it is particularly important to you to have a single room. Even then, however, you could have general insurance and just pay for an upgrade for those few days, if you feel you need it.

Also, if you ordinarily reside in Switzerland, then make sure you also give birth in Switzerland, i.e. do not take a trip outside of Switzerland as the due date approaches. This is because babies born inside of Switzerland are automatically eligible for benefits from the Disability Insurance, if need be, through their childhood, even for such issues as [some sorts of] dental correction. Those born outside of Switzerland are excluded, even for serious issues.

Of course, you'd have to weigh this consideration up against possible citizenship issues, as some countries (but not Switzerland) confer citizenship on all born in their territory.
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Old 30.01.2020, 10:56
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Re: Advice for insuring newborn, all the bells and whistles?

I think the insurance companies pretty much only do one basic health plan for children and it has (near)zero excess. Certainly its not worth having the excess increased for a lower monthly. They all seem to be +/- 100 CHF a month

Then you should take out the max supplement they offer initially to ensure you are covered in all eventualities.

So this is kind of the catch. Its not worth going for the cheapest deal for the supplement that a company offer for the first 6 months or something like that. Basically if you dont need it, you will be cancelling it or down grade it in future years. If you do need it, you are stuck with that provider forever, so consider the long term cost and quality over a short term promo.

We found KPT or Helsana to be ok for price and quality - on paper. We are in a similar position to you currently.

The insurance is opened up and pending. So it is only at birth and with all the details provided to the insurance company does it begin. You will have 30 days to let the company know all the details and then the insurance is turned on. In the mean time you'll get a letter saying "yes its ok and we are waiting for news"

We have been told dental insurance isnt needed from the start as there are no teeth or dental requirements. Apparently you'll have until about 3 years old to take out that cover, after that a dental exam is needed and then you may have restrictions applied to the insurance.
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Old 30.01.2020, 14:52
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Re: Advice for insuring newborn, all the bells and whistles?


Sadly we have some experience with this and my personal advice was buy the level of cover you feel your child would need were you to never be able to change it again, with the insurer you would choose for the life of your child.



Its critical its all sorted before the child is born, ....and bear in mind most of your problems come if the baby is early which can be 7+ weeks which causes no end of issues. Likely to also involve a long and very expensive stay in hospital for you both.



If your child is born with some enduring condition, yes you can change basic insurance with no problems but all insurers may decline to allow you to add any optional additional cover if your child has expensive existing conditions.



If its all ok you can reduce the level of cover at the end of the year.



Also +1 about the Swiss disability point, for children born in Switzerland it is a real benefit if you need to use it. If the baby is under 2kg i believe they are automatically registered with Swiss disability.
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Old 30.01.2020, 15:37
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Re: Advice for insuring newborn, all the bells and whistles?

I think you'll find the baby is covered under the mothers' insurance for up to 30 days all though it may be a bit less.



CHECK WITH YOUR INSURANCE AGENT/COMPANY, problem solved.



The reason being, if it is still born, you don't need insurance anyway.


Irrespective of your insurance, the child will be treated exactly the same way, wards are small, private for children is ridiculous, they are sociable and need company anyway and as wards are small here it makes very little difference.


If the situation is more serious they will be in intensive care which is not private in any sense of the term and will receive all the care and attention they need.


Dental insurance is worthwhile, you need to do it before 5 years old in order for it to be accepted with no control or external assessment.


(up to 2 years old it is a waste of money anyway as they have very few teeth...)


The rest is up to you, depending on your lifestyle and traveling, but be very aware the insurance companies will make you believe all is necessary.


Common sense is the best indicator or what you really need.
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Old 30.01.2020, 17:12
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Re: Advice for insuring newborn, all the bells and whistles?

Thanks all for the responses.

I think the advice to get what you would want if the shit hits the fan and you cant change it ever again is the right approach. Better to pay a bit more the first year or two than get stuck. Fingers crossed everything goes smoothly and they can be put onto basic no supplementary cover like mama and papa after a year or two.

Now i just need to figure out how to change a nappy....
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Old 30.01.2020, 17:44
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Re: Advice for insuring newborn, all the bells and whistles?

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Thanks all for the responses.

I think the advice to get what you would want if the shit hits the fan and you cant change it ever again is the right approach. Better to pay a bit more the first year or two than get stuck. Fingers crossed everything goes smoothly and they can be put onto basic no supplementary cover like mama and papa after a year or two.

Now i just need to figure out how to change a nappy....
You could also pay a visit or call your Krankenkasse, and make your own decisions.

Health care in Switzerland is one of the best in the World. If your little miracle suffers problems during or after birth here, they will receive the exactly the same utmost care possible, regardless of whether insured privately or basic with no supplementary.
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Old 30.01.2020, 17:49
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Re: Advice for insuring newborn, all the bells and whistles?

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Thanks all for the responses.

I think the advice to get what you would want if the shit hits the fan and you cant change it ever again is the right approach. Better to pay a bit more the first year or two than get stuck. Fingers crossed everything goes smoothly and they can be put onto basic no supplementary cover like mama and papa after a year or two.

Now i just need to figure out how to change a nappy....

Just go and ask your insurance agent what is available and then see what is necessary, you really are over complicating matters


Dental insurance for first 2 years is absolute bollocks, a total and utter waste of money, put the Chf10..- per month in to an account for the baby, the Chf 240.-- will be far more use than dental insurance.


Ditto for many other "complimentary insurances"


Kids are very well cared for here under normal insurance, a visit to the pediatrician every year to start with .....
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Old 30.01.2020, 18:14
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Re: Advice for insuring newborn, all the bells and whistles?

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Just go and ask your insurance agent what is available and then see what is necessary, you really are over complicating matters


Dental insurance for first 2 years is absolute bollocks, a total and utter waste of money, put the Chf10..- per month in to an account for the baby, the Chf 240.-- will be far more use than dental insurance.


Ditto for many other "complimentary insurances"


Kids are very well cared for here under normal insurance, a visit to the pediatrician every year to start with .....
Can we just make clear that dental insurance is absolutely a necessity and desirable if you donít want to face horrendous costs through early, teenage as well as adult years.
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Old 30.01.2020, 20:45
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Re: Advice for insuring newborn, all the bells and whistles?

Absolutely fully agree with you as i said in my earlier post.


However a baby has no teeth for first year usually and the second year is not critical either.



You will pay the premiums none the less although you will NEVER need to use dental insurance.


Above 5 years the child needs to have an examination before being accepted for dental insurance, so you need to get it before 5 years old.


Under 5 years old, the insurance company cannot refuse dental insurance, therefore unless you wish to waste money unnecessarily and with absolutely no benefit to yourself whatsoever, wait until the child is 2 or 3 years old.


That is what i actually said i never said dental insurance was useless or not necessary.


I trust this is now clear, dental insurance IS NECESSARY but not from birth unless you like wasting money
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Old 30.01.2020, 21:00
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Re: Advice for insuring newborn, all the bells and whistles?

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Above 5 years the child needs to have an examination before being accepted for dental insurance, so you need to get it before 5 years old.
Is this a hard and fast rule?

My kid got his insurance when he was 7, he has a 'Denta' extra option added for about CHF 6 per month.
The insurance tells me that he's covered for 75% of orthopedic work if necessary but I'm not sure as we haven't used it.
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Old 30.01.2020, 21:10
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Re: Advice for insuring newborn, all the bells and whistles?

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Is this a hard and fast rule?

My kid got his insurance when he was 7, he has a 'Denta' extra option added for about CHF 6 per month.
The insurance tells me that he's covered for 75% of orthopedic work if necessary but I'm not sure as we haven't used it.
It depends on the insurance company. Since the dental insurance is optional the insurance companies can make their own rules. It generally tends to be at around age 5 but is not always the case.

Personally I wouldnít bother taking out the dental option until the child is at least 3 but it is definitely worth getting it. Orthodontics are eye wateringly expensive here.
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