Health insurance for your baby: the key points at a glance
No worries from day one: what you should think about when taking out health insurance for your new baby.
Is a newborn baby automatically insured through their mother/father?
No, because the Federal Health Insurance Act requires everyone who lives in Switzerland to take out mandatory insurance. All the members of a family, whether adults or children, must be insured separately. Insurance cover begins either from the date of birth or from when you take up residence in Switzerland.
Does the birth need to be notified beforehand?
No, it doesn't have to be. But if you want to be on the safe side, it's better to do it before the child is born.
What advantages does prenatal admission have?
Taking out insurance for your baby before the birth has two major advantages for you as an expecting parent: firstly, your child is insured from the moment it is born. If it arrives prematurely or has a congenital illness, it enjoys immediate protection. And secondly, your baby will be admitted to supplementary insurance without any restrictions.
What should you bear in mind when signing your child up before birth?
Let your health insurer know that you are 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.
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.
How do you insure a newborn baby?
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). 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 us.
What kind of insurance should I buy for my baby? We will be happy to advise you on insurance solutions that match your personal needs.