Health insurance for your baby: the key points at a glance

Krankenkasse Baby: Das Wichtigste auf einen Blick

No worries from day one: you can sign up your baby for general health insurance while still pregnant. Prenatal admission has a number of advantages. Points to consider when taking out health insurance for your new baby.

Health insurance for babies: your child isn’t automatically insured as soon as it’s born

Basic insurance is mandatory in Switzerland. A newborn baby isn't automatically insured through its parents. All the members of a family, whether adult or child, must be insured separately.

Do I have to sign my baby up for insurance before it is born?

Insurance cover begins either from the date of birth or from when you take up residence in Switzerland. Enrolling your baby with a general health insurance company before it is born isn't an absolute must. But if you want to be on the safe side, it's better to do it during your pregnancy.

Insure your child before birth

Let your health insurer know that you're expecting a child as soon as you can. Once you've taken care of all the administration, you'll have more time to enjoy your baby after it is born. And you'll have no need to worry if your child is born sick. Because that's when really good cover is most needed. Therefore, the best time to think about whether you want to take out supplementary insurance is before the birth.

Advantages of prenatal admission

  • Your child is insured from the moment it is born. If it arrives prematurely or has a congenital condition, it enjoys immediate protection.
  • If you insure your baby before it is born, general health insurance will cover birth defects.
  • Your baby will be admitted to supplementary insurance without any restrictions.

Baby can also be admitted after it’s born

But you can naturally still sign up your newborn afterwards. Simply let us know the exact date of birth and the name of your child. We'll then activate the insurance and automatically send you the insurance card.

Basic insurance: how to insure your child

As a rule, insuring a newborn child is no different to insuring an adult. The first thing to do is to take out basic insurance (KVG).

Supplementary insurance for baby

However, if you want to include additional benefits such as alternative treatment methods (e.g. homeopathy or osteopathy) or would prefer your child to be hospitalised in a semi-private or private ward, no matter where in Switzerland, then CSS offers supplementary insurance plans with up to 100% family discount if at least one parent is already insured with CSS.

Health insurance premiums at a glance

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