Our top recommendations for pregnancy & childbirth
A lot changes during pregnancy, with a new chapter in life set to start. We have brought together the most important tips for you so that you can enjoy this exciting time without any concerns:
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Start getting ready for childbirth: we cover up to 90% of the costs of antenatal classes.
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We also provide comprehensive services after childbirth, such as postnatal care by midwives.
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Insure your baby before it is born to make sure it has seamless cover from the first day of its life.
Our insurance solutions
Everything for you and your baby: fully protected in every life situation. Whether in relation to pregnancy, childbirth, everyday issues, pensions or travel, we offer insurance solutions that are perfectly tailored to your own individual needs. Find out how you can fully protect yourself and your child.
Well supported throughout pregnancy, childbirth and the post-partum period
Pregnancy is an exciting time and childbirth is a unique event. Our insurance products ensure you are comprehensively protected – before, during and after childbirth.
Good to know: Insured persons covered by a general practitioner or telemedicine model may also consult a gynaecologist directly.
Covers all medically necessary benefits during pregnancy – irrespective of the deductible or retention fee.
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2 ultrasound examinations
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7 check-ups prior to childbirth including the costs of the first trimester test
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In the event of at-risk pregnancy: Additional check-up and ultrasound examinations as well as enhanced midwife services
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3 breastfeeding consultations
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CHF 150 for midwife-led antenatal classes
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Benefits during childbirth in hospital, at home or at a birthing centre on the hospital list
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Home visits by midwives after childbirth
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Medical check-up six to ten weeks after childbirth
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Costs of medical devices prescribed by a physician such as compression stockings
Supplements basic insurance with important additional benefits for expectant and new mothers.
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Costs of vitamin and iron supplements prescribed by a physician that have been authorised by Swissmedic (except list of special-use pharmaceutical preparations [LPPV])
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Check-up and ultrasound examinations (from level ll)
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Prenatal exercise and recovery courses up to a maximum of CHF 300 (from level lll)
With the right hospital insurance, you benefit from more freedom of choice, more privacy and better medical quality.
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Free choice of hospital throughout Switzerland
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Single or double room
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Treatment by senior consultant
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Overnight stay by partner in hospital
Put your family on a sound financial footing
It provides peace of mind to know that financial security is guaranteed in particular during special and intense phases of one’s life. That way you can enjoy pregnancy and early family life without any stress.
Daily allowance insurance comes into play if you are unable to work due to pregnancy-related complications.
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Daily salary compensation
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Protection in the event of a hospital stay or prescribed rest in bed
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Supplement to maternity allowance (loss of earnings compensation, LEC)
The tied pillar 3a pension scheme enables you to provide security for your family while also building up assets for later in life.
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Financial provision for home ownership or retirement
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Tax savings through annual contributions
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Attractive savings or investment options depending on risk profile
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Optional cover in the event of inability to earn a living (e.g. exemption from premiums)
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Early planning for young families
With one of our lump-sum insurance products you and your family are financially covered should the worst happen. We recommend one of our lump-sum insurance products to:
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children and young people
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students (minimal cover under social insurance systems)
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persons not involved in gainful activity (e.g. homemakers)
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close existing cover gaps for self-employed persons and employees
Well protected in everyday life
A baby brings not only plenty of love, but also lots of new changes at home. It is therefore worth reviewing the insured sum under your household contents insurance and adjusting it if necessary in order to avoid underinsurance. For personal liability insurance, it is important for the insured persons to be listed as a “multi-person household” so that the child is also covered.
Furniture, prams, technology: household contents insurance protects your belongings against unforeseen damage.
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Cover for baby equipment (e.g. prams, baby monitors)
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Protection in the event of fire, theft, water damage or glass damage
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Cover for damage occurring outside the home (e.g. while out with a pram)
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Additional cover for valuables (e.g. jewellery during childbirth)
Even small children can cause significant damage. Personal liability insurance protects you against the financial consequences of everyday family life.
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Damage caused by children to third parties (e.g. broken glasses, water-related accidents)
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Insurance for borrowed or rented baby equipment
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Protection in the event of an accident (e.g. at friends’ homes, in hotels)
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Defence against unjustified claims
Legal protection insurance provides legal assistance in the event of a dispute, for instance with an employer or a hospital.
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Legal advice for disputes relating to maternity leave
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Cover for lawyer’s fees and proceedings
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Disputes with authorities or insurers
Safe on the road
Whether you have a baby bump or a new-born child, with travel insurance, you are protected worldwide. And with the right car insurance, your family is fully covered on the move.
Travel insurance protects you against high costs arising due to illness, accident or cancellation.
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Cover for the costs of emergency medical treatment abroad
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Medical repatriation to Switzerland
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Cancellation and trip interruption cover, for instance in the event of pregnancy-related complications
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Additional assistance such as interpreter support or hospital admission support
The right car insurance protects you against unexpected costs in everyday family life.
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Both personal liability and comprehensive cover for accidents and damage
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Inclusion of child seats and prams in car insurance
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Protection against glass damage, parking damage and marten damage
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Roadside assistance – with a baby on board
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Free choice of garage and fast claims handling
Your advantages at a glance
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No deductible or retention fee from the 13th week of pregnancy, up to and including eight weeks after childbirth.
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Lump-sum birth benefit of up to CHF 1,500 for births at home, in hospital (on an outpatient basis) or at birthing centres.
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Everything for you and your baby: health insurance, property insurance, legal protection and retirement savings insurance.
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We cover up to 90% of the costs of prenatal gymnastics and postnatal recovery courses.
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Simply arrange everything in the app: contracts, invoices or benefits.
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Attractive discounts if you insure multiple children with Visana.
Seamless insurance cover starts ideally before childbirth. You should therefore register your baby during pregnancy to ensure it is insured from the very first day of its life. And there’s no problem if your baby has already been born – you can also register it retrospectively.
Useful services for you
For assistance, please contact our support team at mySupport@visana.ch or by phone.
Opening hours:
Mon–Fri: 8 am – 5 pm
With the health app Well, you can check symptoms, chat with a doctor or book appointments.
These life situations might also be relevant for you
Frequently asked questions relating to pregnancy and childbirth
Basic insurance pays for the following benefits during pregnancy and after your baby has been born:
- Seven check-ups and two ultrasound examinations prior to childbirth, including the costs of the first trimester test
- For high-risk pregnancies: Additional check-ups and ultrasound examinations
- Three breastfeeding counselling sessions
- CHF 150 for midwife-led antenatal classes
- Benefits for childbirth in hospital, at home or at a birthing centre on the list of hospitals
- Home visits by midwives for up to 56 days after childbirth
- Postnatal medical check-ups six to ten weeks after childbirth
Yes, you can. You can switch your compulsory basic insurance to a different provider while you’re pregnant, just as you can at any other time. If you do, please remember that you must generally give notice by 30 November if you intend to switch on 1 January.
Tell your health insurance fund as soon as your doctor has confirmed your pregnancy.
Yes, you should generally be able to. Pregnancy is not a reason to refuse you top-up insurance. Most top-up insurance plans (e.g. hospital top-up insurance) include qualifying periods for maternity. This means that the insurance will not provide pregnancy or maternity benefits during the first few months. However, there are also certain types of insurance you cannot take out while you are pregnant. These include daily allowance insurance (IPA/VVG), for example.
That depends on which top-up insurance product you choose. Visana’s Outpatient top-up insurance complements the benefits provided by basic insurance. It covers up to 90% of the costs for:
- check-ups and ultrasound examinations (from Outpatient II level);
- medically prescribed prenatal vitamins and medication that is not covered by basic insurance;
- prenatal exercise and recovery courses up to a maximum of CHF 300 (from Outpatient lll level).
After you have given birth, you have three months to register your baby with a health insurance fund. Your baby will be retroactively covered by compulsory basic insurance from the date of birth.
Our tip: Take out the insurance before your baby is born. Pre-birth registration has many advantages:
- Your child is properly insured from day one.
- No medical examination is required for most top-up insurance plans.
- You can devote all your time and attention to your newborn baby once you have given birth.
Downloads
Overview of benefits
Factsheet
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