Childbirth Maternity
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Birth and maternity coverage
Maternity is one of the most important moments in a lifetime, and also one of the most beautiful.
In order to help you live this wonderful moment under the best circumstances, additional coverage exists to support you all along the maternity, before and after the childbirth.
Let’s discover together the possible and important additional coverage for this great moment.
Birth and maternity coverage
Maternity is one of the most important moments in a lifetime, and also one of the most beautiful.
In order to help you live this wonderful moment under the best circumstances, additional coverage exists to support you all along the maternity, before and after the childbirth.
Let’s discover together the possible and important additional coverage for this great moment.
The main coverage
First, it is important to acknowledge the possible coverage. We are going to compare the benefits from LaMal (basis) and additional coverage (LCA)
Number of ultrasounds during the pregnancy :
- LaMal : 2 ultrasounds (except for high-risk pregnancy)
- LCA : 90% of the additional ultrasounds
Childbirth preparation :
- LaMal : one course with CHF 150.- of value
- LCA : 75 % maximum CHF 500.-
Childbirth at hospital :
- LaMal : Swiss public hospitals (possibility to be up to 6 in the room)
- LCA : all private clinics in Switzerland
Choice of the gynecologist :
- LaMal : not possible to choose (gynecologist on duty)
- LCA : Freedom to give birth with your own gynecologist
Prenatal maternity courses :
- LaMal : no coverage
- LCA : CHF 500.-
Postnatal maternity courses :
- LaMal : no coverage
- LCA : CHF 500.-
Give birth with your gynecologist
During a birth in a private clinic, it will be possible to give birth with your own gynecologist, which would not be possible in a public hospital.
Clinics have agreements with gynecologists. Indeed, it will be possible, if you want, to plan the childbirth with your own gynecologist. It is often more pleasant to know the person who will follow you and help you live this moment as well as possible.
Guaranteed to be alone in the room
One of the many advantages of this coverage is to be sure to be alone in the room. This is a huge advantage as peace is necessary to relax and enjoy the first days with your child.
In opposite to childbirth in private clinic, give birth in a public hospital does not offer this possibility and you will have to share the room with other mothers (and their visitors)
Choice of the private clinic
Semi-private coverage for childbirth will allow you to choose any private clinic in Switzerland.
There are lots of advantages : choice of your gynecologist, of your anesthetist, date of birth planning (natural end or induced), and comfort.
Second parent accompaniment
It can seem trivial, but the second parent will more than likely want to support you and share those first moments with you and your child.
Additional maternity coverage for clinics allow most of the time to allocate a budget so that the second parent can sleep in the room with you.
Waiting period for the coverage
To benefit from this coverage and give birth in a private clinic, some rules have to be followed.
First, you have to not be pregnant when you subscribe to the insurance or it will be rejected.
Most companies will impose a waiting period of 12 months before the childbirth (3 months wait + 9 months of pregnancy).
Cost of a clinic birth
You would have the right to pay for your birth in a private clinic yourself. But what is its cost ?
On average, a delivery in a clinic will cost between CHF 25,000.- and 30,000.-
Thanks to your supplement, you will not have to pay any additional cost for a delivery in a clinic.
The main coverage
First, it is important to acknowledge the possible coverage. We are going to compare the benefits from LaMal (basis) and additional coverage (LCA)
Number of ultrasounds during the pregnancy :
- LaMal : 2 ultrasounds (except for high-risk pregnancy)
- LCA : 90% of the additional ultrasounds
Childbirth preparation :
- LaMal : one course with CHF 150.- of value
- LCA : 75 % maximum CHF 500.-
Childbirth at hospital :
- LaMal : Swiss public hospitals (possibility to be up to 6 in the room)
- LCA : all private clinics in Switzerland
Choice of the gynecologist :
- LaMal : not possible to choose (gynecologist on duty)
- LCA : Freedom to give birth with your own gynecologist
Prenatal maternity courses :
- LaMal : no coverage
- LCA : CHF 500.-
Postnatal maternity courses :
- LaMal : no coverage
- LCA : CHF 500.-
Give birth with your gynecologist
During a birth in a private clinic, it will be possible to give birth with your own gynecologist, which would not be possible in a public hospital.
Clinics have agreements with gynecologists. Indeed, it will be possible, if you want, to plan the childbirth with your own gynecologist. It is often more pleasant to know the person who will follow you and help you live this moment as well as possible.
be allowed to give birth in private clinics
One of the many advantages of this coverage is to be sure to be alone in the room. This is a huge advantage as peace is necessary to relax and enjoy the first days with your child.
In opposite to childbirth in private clinic, give birth in a public hospital does not offer this possibility and you will have to share the room with other mothers (and their visitors).
Choice of the private clinic
Semi-private coverage for childbirth will allow you to choose any private clinic in Switzerland.
There are lots of advantages : choice of your gynecologist, of your anesthetist, date of birth planning (natural end or induced), and comfort.
Second parent accompaniment
It can seem trivial, but the second parent will more than likely want to support you and share those first moments with you and your child.
Additional maternity coverage for clinics allow most of the time to allocate a budget so that the second parent can sleep in the room with you.
Waiting period for the coverage
To benefit from this coverage and give birth in a private clinic, some rules have to be followed.
First, you have to not be pregnant when you subscribe to the insurance or it will be rejected.
Most companies will impose a waiting period of 12 months before the childbirth (3 months wait + 9 months of pregnancy).
Cost of a clinic birth ?
You would have the right to pay for your birth in a private clinic yourself. But what is its cost ?
On average, a delivery in a clinic will cost between CHF 25,000.- and 30,000.-
Thanks to your supplement, you will not have to pay any additional cost for a delivery in a clinic.
Additional coverage possible
Coverage possible
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