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Pregnancy and baby: enter a new phase with confidence and security!
Pregnancy brings with it a mix of emotions: great excitement about the future, with some worries thrown in. Questions arise, including when you are arranging insurance. Sympany wants you to enjoy your pregnancy in the most carefree way possible.
Benefits and cost contribution: mothers have special rights
Mums-to-be don't pay any franchise or deductible for a whole range of benefits at Sympany. During a normal pregnancy, birth and the mother's recovery period, basic insurance pays the statutory maternity benefits. These include
- seven check-ups
- two ultrasounds
- a contribution towards antenatal courses
- obstetrics by a doctor and midwife at home or in hospital
- breastfeeding support
- and hospital care for healthy newborns.
From the 13th week of pregnancy until eight weeks after the birth, no cost contribution is charged for illness-related treatments either (including complications). For pregnant women aged 35 and over, we pay for an amniocentesis.
An exclusive benefit for mothers and children: No matter which Sympany basic insurance model you choose, you can always contact your gynaecologist or paediatrician directly – no need for a referral.
Supplementary benefits? Best to plan early
If you want to have children, it's best to plan your personal insurance before you fall pregnant, so you can cross it off the to-do list. This is particularly important if you want a high level of cover under supplementary insurance because, during pregnancy, it is not usually possible to obtain higher insurance protection. Important information: supplementary insurance operates a waiting period of 270 days for insurance benefits arising from treatments relating to pregnancy.
The baby has arrived. Congratulations!
In the supplementary insurance, the premium for your newborn will be free in the month of birth. Insurance cover starts from birth.
Even more good news: Children and young people under the age of 19 receive a generous discount on their basic insurance premium with Sympany.
Our recommendation for mothers
When planning a family, consideration should also be given to insurance. Basic insurance can only be changed in specific time frames. If you want to take advantage of supplementary benefits for mothers, you must take out the supplementary insurance before you are pregnant. Sympany recommends the following products:
casamed family doctor
The basic insurance where your family doctor becomes your most trusted adviser.
plus supplementary protection
Contributions for preventative measures, alternative medicine and medications not covered by statutory insurance.
hospita flex
Supplementary hospital insurance: when you’re admitted, you choose the general, semi-private or private ward.
FAQs
This isn't necessary. Sympany guarantees parents that their baby will be accepted unconditionally onto the well-established supplementary insurance plans hospita general, plus, dental, capita illness and capita accident without a risk assessment for up to three months after birth.Want more? If you would like higher insurance cover for your baby, you should register your child before the birth.
In principle, you can adjust your insurance protection during pregnancy. However, for supplementary insurance there is a waiting period of 270 days for insurance benefits arising from treatments relating to pregnancy. Please therefore take out the insurance you require early on, to avoid any gaps in your cover.
After ten weeks of breastfeeding, Sympany pays a breastfeeding allowance of CHF 250. The breastfeeding allowance is paid automatically when supplementary outpatient insurance is taken out with Sympany. Sympany also pays for three breastfeeding support sessions under the basic insurance. Hire of a breast pump is also reimbursed at the statutory rates. Your first check-up after the birth is deemed to be a pregnancy-related benefit. Tip: Always check that your doctor has written “maternity” on the invoice. If not, write it on yourself.
