Prenatal registration: safety from day one
Life with a baby brings many changes and new responsibilities. You should already register your baby with your health insurer during the pregnancy. Find out more about CONCORDIA’s products and services.
-
Short and simple
Parents register their baby with their health insurance before the birth.
This makes sure that the baby is insured from the very beginning.
Then all the baby needs is a simple health check.
There are discounts for families.
Health care insurance (OKP, basic insurance) is mandatory in Switzerland – including for babies. After the birth, you have three months’ time to register your newborn baby with a health insurer. The insurance cover then applies retroactively from the date of the birth.
We recommend that you already register your baby before the birth. At CONCORDIA, all that is required for this is a simple risk assessment and you will benefit from guaranteed cover for certain supplementary insurance policies. Then you can concentrate entirely on your child and on day-to-day family life once your baby has arrived.
Advantages of prenatal registration
-
Well insured all round: Comprehensive insurance cover from birth.
-
No health check: We will accept your child for various supplementary insurance policies without a health check.
-
Baby discount for TIKU risk insurance: Newborn babies receive free risk cover worth up to CHF 192 in the first insurance year if they are registered before the birth or in the first year of their life. A requirement for this is that they pass a simple risk assessment.
-
More time for what counts: If you have taken care of the administrative matters beforehand, you will have more time for yourself and your baby after the birth.
Supplementary insurance: more benefits for your child
You can already give your child a present before the birth – a supplementary insurance policy. CONCORDIA offers various products with and without health checks.
If you register your child before the birth, you can take out the following supplementary insurance policies without a health check:
The following supplementary insurance policies offer even more protection. You can also apply for these options before the birth. To obtain definitive insurance cover, you and your baby have to pass a simple risk check that is based on the details you provide on the «Notification of a Birth» form.
Calculate premiums now
Providing for your family’s future: registering your child before the birth is the first step
Starting a family also means taking on more responsibility. Suddenly you are no longer responsible only for yourself. With premiums starting from just a few francs a month, disability and death insurance enables you to insure yourself and your loved ones against the financial consequences of illness and accident. Financial security through lump-sum benefits means you can get off to an easier start in your family life. If you register your child before the birth, you will receive a baby discount for TIKU risk insurance. More information on the topic of pension provision.
FAQs on pre-birth registration
-
What happens if I only register my baby after the birth?
You have to register your baby within three months after the birth. The insurance cover then applies retroactively from the date of the birth. If you only register your baby for health insurance after the birth, a normal health check will be conducted for all supplementary insurance policies. If your baby suffers from an illness or a birth defect, it is possible that he or she will not be accepted for a supplementary insurance policy, or only with restrictions.
We therefore recommend that you register your baby before the birth, as in this case, the health check is waived for certain supplementary insurance policies.
-
Who pays in the event of complications during the birth?
If complications occur during the birth and your baby requires medical treatment in a hospital, the costs will be covered by the basic health insurance of your newborn. In this scenario, you have to pay the statutory cost contribution (deductible) for the child.
Start thinking early on about how comprehensively you are going to insure your baby. Make an appointment: our CONCORDIA advisor will be happy to show you the various options and advantages of your insurance cover.
-
What advantages do we have as a family with CONCORDIA?
- Family discount: Taking the standard adult premium as a basis, there is a premium discount of 88% per child for basic insurance from the third child onwards.
- Inexpensive premiums for supplementary insurance policies: Children (up to the age of 15) pay CHF 5 for NATURA, CHF 4 for DIVERSA and only CHF 2 per month for GENERAL hospital insurance. Children up to the age of 4 pay just CHF 2 per month for dental insurance.
- Free supplementary insurance policies: DIVERSA and NATURA supplementary policies and supplementary hospital insurance are free from the third child if the same supplementary policies have been taken out for the first two children.
- Baby discount for TIKU risk insurance: Newborn babies benefit from free risk cover worth up to CHF 192 in the first insurance year if they are registered before the birth or in the first year of their life. A requirement for this is that they successfully pass the health check.
To find out more, go to our family page.
Which benefits are covered by your health insurance for maternity?
