Maternity insurance

Pregnancy and maternity are the main reasons of hospitalisation among women in Switzerland (OFS, 2022). Specific insurance covers exist to help and accompany you through one of the most important moments in life.

Basic insurance (LAMal/KVG)

Basic insurance covers only the following (without deductible):

general ward hospitalisation
public hospitals in the canton of residence
7 examinations & 2 ultrasounds
CHF 150 for prenatal classes
NIPT if risk is 1 ≥ 1000 (non-invasive prenatal testing for Down’s, Edwards’ and Patau’s syndromes)
1 postnatal examination

Specialised supplementary insurance for pregnancy and maternity

The specialised supplementary insurance for pregnancy and maternity extends the basic insurance and offers:

private ward hospitalisation
single room
broad choice of obstetrician-gynecologist
broad choice among a list of private clinics and hospitals throughout Switzerland
lump-sum bonus in case of birth at home
extra coverage for additional exams, emergency transport, postnatal gym classes, NIPT, etc. not covered by the basic insurance
breast-feeding allowance (as per WHO requirements)

Please note: This insurance can only start on the 1st of a month and there is a 12-month waiting period for the coverage to be effective.

Prenatal insurance for babies

It is possible to insure babies before their birth under a prenatal agreement. This is essentially an insurance policy for your baby taken out before their birth. It’s important to note that both the cover itself and the requirement to pay premiums begin on the day the baby is born and not before.

There are some advantages to organising insurance before the birth of your baby. Doing it before means the paperwork will be out of the way by the time your baby is born. Your baby will automatically be accepted for supplementary insurance.

Maternity insurance

Maternity insurance