As you joyfully await a future birth, your baby's health and well-being are a top priority.
In Switzerland, 6% of newborns are born with low weight and 5.4% prematurely (source), these births represent an increased health risk. Remember to protect yourself financially with prenatal insurance is a security that should not be neglected.
What is prenatal insurance?
Prenatal insurance represents the early commitment of parents to ensure the health of their future child as soon as he enters this world. This consists of an early subscription to a contract ofhealth insurance, carried out even before the baby is born.
The main advantage?
From the first moments of life, the newborn benefits from protection against possible medical complications, without the need to complete a health questionnaire. This insurance includes basic LAMal coverage, required for all residents in Switzerland, and can also be enriched by additional coverage personalized according to the specific needs of the child and their family.
Why take out prenatal insurance?
- From the first moments of his life, your child is protected. You thus avoid post-birth administrative procedures and guarantee complete coverage without delay.
- Since no health questionnaire is required for prenatal subscription, your child is assured of receiving the necessary care in the event of a complication from birth, without conditions.
- Adapting coverage to the needs of your family is possible thanks to a wide range of complementary insurance, ranging from coverage for alternative medicine to hospitalization in a private or semi-private room.
When and how to start paying for prenatal insurance?
It is essential to plan to subscribe to prenatal insurance from the 3rd month of pregnancy. Rest assured, billing will only begin when your child is born.
Thus, you benefit from peace of mind during pregnancy, knowing that the necessary steps for optimal coverage of your future baby are already in place.
To subscribe, we advise you to contact a specialist from Finwise Assurances who will help you compare the different offers and choose the one best suited to your situation, thus guaranteeing the best possible start for your child.
Possible coverage with prenatal insurance
Prenatal insurance offers optimal protection from the first moments of your baby’s life. It includes basic LAMal insurance, an absolute necessity for any resident in Switzerland, guaranteeing basic healthcare coverage.
For specific needs, customizable supplementary insurance comes into play, offering a wide range of coverage that adapts to each family.
Among them, we note dental care and orthodontics, very useful for your child's future dental health needs, or hospitalization in a private or semi-private room, offering tranquility and comfort if necessary.
Travel insurance is essential to protect your family when traveling abroad. Let's not forget the importance of integrating accident insurance, crucial to guarantee complete protection on a daily basis.
Choice of deductibles for your prenatal insurance
The selection of the franchise is a delicate step that directly impacts your health budget.
With options starting at 0 CHF, ideal for covering costs from the first franc incurred, this alternative is perfect for those anticipating frequent medical needs for their child.
Higher deductibles, up to CHF 600, allow you to adjust the insurance premium according to your expectations and your financial capacity.
They offer significant flexibility depending on your baby's health care plans. A balance must be struck between the monthly premium and the amount of the chosen deductible to ensure that costs remain manageable while still providing adequate protection.
How to choose the best prenatal insurance for your baby?
Choosing the perfect prenatal insurance for your child requires reflection and comparison.
Start by analyzing the LAMal basic insurance offers, essential and mandatory, in order to find the most advantageous rate with the desired services.
The next step is to carefully examine the additional insurance options offered. As each family has unique needs, it is essential to consider the coverage that best suits your situation: dental care, alternative medicine, hospital coverage or even travel insurance.
Consulting a Finwise Assurances advisor is strongly recommended to benefit from a tailor-made comparative offer. This personalization ensures optimal coverage for your future baby, adapted to your expectations and your budget.
Change or cancel your prenatal insurance
Flexibility may be necessary with your insurance, especially during pivotal life moments represented by the arrival of a child.
To change or cancel your prenatal insurance, familiarize yourself with the specific conditions stipulated by your contract. Generally, the modification or termination of basic insurance is subject to notice before a key date, often before November 30 to take effect on January 1 of the following year. If it is supplementary insurance, the conditions vary more and may require increased vigilance.
Vital advice would be not to take the choice to cancel lightly. Switching to another insurance or adjusting your prenatal coverage before the birth of the child can be done with fewer constraints. Your Finwise advisor will be able to guide you towards the procedures adapted to your needs.
Keep in mind that maintaining continuity of coverage is essential to guarantee the safety of your future baby. In the case of a change after birth, pay attention to the details, as a new subscription may involve different eligibility conditions.
Conclusion
Don’t wait for an unexpected event to take action. Plan now and give your family the precious gift of comprehensive prenatal coverage. Your baby’s health is priceless, but it can surely be protected. Together, let's shape a peaceful future for your loved ones. For any further information and for a personalized offer, contact Finwise Assurances as your next step towards optimized prenatal insurance.