Baby health insurance: All about insurance and prenatal admission
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. Find out how to insure your newborn baby properly and why it’s important to sign up early.
Health insurance for babies: properly insured from birth
Basic insurance is mandatory in Switzerland. A newborn baby isn't automatically insured through its parents. In other words: You have to actively enrol your child to make sure your little one is fully insured.
Sign up for health insurance before your baby is born
Insurance cover begins either from the date of birth or from when you take up residence in Switzerland. You can enrol your baby with a health insurer during your pregnancy. That way, your child will have cover from the very first moment.
Important: If you register your baby too late, they may not be eligible for all supplementary insurance plans.
Benefits of registering before birth
- Insurance cover right from the start – even if born prematurely or with a medical condition.
- Admission to supplementary insurance without health questions.
- Complete security: No reservation clauses for birth defects.
- More costs assumed – noticeably freeing up your budget.
- If your child unexpectedly needs medical assistance, you’ll be especially glad you made this decision.
Signing up after the birth
You can also register your baby for insurance after the birth. You have three months to do so. Simply provide us with the exact date of birth and your child’s name.
Basic insurance: how to insure your newborn baby properly
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). Giving your baby good medical cover – but not in all areas.
Supplementary insurance: more benefits for your child
With supplementary insurance, you can specifically enhance your child’s coverage. You benefit from additional services and greater comfort. For example:
- Alternative treatment methods including osteopathy, homeopathy and more
- Semi-private or private ward
- Free choice of hospital throughout Switzerland
With CSS, you can receive up to a 100% family discount on supplementary insurance, provided that at least one parent is already insured with CSS.
Protect your family: Having a family means accepting responsibility. Our tips on family insurance show you how to protect against risks and take the strain off your household budget.
FAQs
By three months after the birth at the latest, but ideally before the birth. All the members of a family – adults and children – must have their own insurance. If you don’t sign up your baby in time, you risk gaps in insurance cover and unnecessary costs.
Our tip: Enrol your baby with CSS during pregnancy.
Prenatal admission means your child will have cover right from the start. No restrictions will be imposed for congenital anomalies.
Depending on your needs:
- Private or semi-private hospitalisation
- Alternative treatment methods
- Dental insurance
- Cover abroad
Decide to act early – you’ll avoid risks, save on costs and secure the best possible cover.
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