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Old 14.07.2009, 10:45
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Health Insurance for a baby

Hello,

I am confused and am hoping that some kind soul(s) will shed a some light for me:
I am 8+ mths pregnant. I was a good girl and ordered a 'Pre-birth proposal' from my insurance company (SWICA) for the baby. I have just noticed that the proposal is for Basic level insurance with some minor supplementary top-ups. I am insured at the Private level and would like the same for the little one.
- My insurance company tells me that it is impossible to arrange anything but basic level insurance for a baby before the baby is born.

While registering at the Basel Frauenspital I was asked if my child would have the same level of insurance as me. I was told that if the baby (as yet unborn) was not insured at the private level, we would have to pay the difference between her insurance level and mine for her stay in the hospital.
1. I had been told that when the baby is born she will automatically be covered under my policy at the same level of insurance as me (for this initial stay in the hospital - and I believe for her first month of life). This conflicts with what the registration lady told me.
2. It is not possible to get private insurance for an un-born baby, so it would not be possible to insure that the baby will be insured at the same level as me anyway.

One more related question: If (heaven forbid) your child is born with any medical problems, would it then be impossible to have the child insured at anything but the Basic level of insurance??

I would really appreciate any advice or information. Thanks!
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Old 14.07.2009, 10:50
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Re: Health Insurance for a baby

We had the same when my son was born. Basic insurance will still cover the child for any medical treatment (emergency or otherwise) after it is born and will get whatever specialist treatment is required.

Just won't get a private room or choice of menu options but I guess at a week old, the baby won't really give a hoot about that .

As far as I can recall, there is also no excess (franchise) on a child's policy.

Your policy covers for the birth and stay after hospital.
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Old 31.07.2009, 14:52
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Re: Health Insurance for a baby

The basic insurance doesn't mean you only get...basic care. The big difference with a private insurance is the hostellery you can get at the hospital (private room, etc.). The private insurance also allows you to go to a clinic. But if your child is very sick, you will have to go to a hospital anyway.
I have a friend of mine whose child almost died in her first few months because of a very serious disease. She was on the basic insurance but still had several professor who examined her case. If she was on the private insurance, she would get exactly the same care.
The only big interest of having a private insurance is for the DENTAL CARE as it is very expensive and you don't have it covered with the basic insurance. If you go abroad and you child gets sick, you get to what it would have costed in Switzerland refunded. It is only worth having an extra if you intend to travel with your child to the US or Japan. Otherwise : just forget it, the costs will be covered.
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Old 31.07.2009, 15:18
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Re: Health Insurance for a baby

I'm with SanSan and my son and baby to be born in 2 months were insured with Basic, plus Sana, Top and Hospital Eco supplementary policies. Dental was an option for about CHF 2.50 a month extra. All this needs to be arranged before the birth.

Your baby will be in the room with you, that's covered under your insurance. I don't see any point getting private insurance for your baby - since there are no private ICU rooms The doctor's that will examine your baby and make the hip scan will be whoever the doctor on duty is. You will be refered to specialist if needed.
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Old 04.08.2009, 20:58
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Re: Health Insurance for a baby

We are with Groupe Mutuel and we were able to arrange the private level insurance for our unborn son.
I only have the basic insurance for myself.
When you are in the hospital giving birth, and the days of your stay there, your baby is insured under your insurance.
Your baby must be registered with a medical insurance company three months after birth at the latest. Insurance cover begins at the moment the child is born.

A colleague from my work adviced me to arrange the private level before the baby is born.
During her 20 week echo they noticed that her baby boy had a problem with his kidneys.
She arranged the private level before her baby was born, she said that if she hadn't done that before giving birth, the insurance company could have rejected the private level for him.
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Old 04.08.2009, 21:34
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Re: Health Insurance for a baby

Thank you so much for your response! I am going to the Groupe Mutuel site right now. Great picture of your son - he's gorgeous!
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