Pregnancy and birth: insuring your baby properly

A new child means two steps: baby's basic insurance and, if you wish, supplementary insurance, ideally before the birth.

Updated on 23.09.2026 · Official sources cited

During pregnancy

Maternity benefits (check-ups, delivery, follow-up) are reimbursed by basic insurance, most of them without deductible or co-payment.

Insuring your baby

• Basic insurance must be taken out within three months of birth; it then takes effect retroactively from the day of birth.
• Supplementary insurance can often be requested before the birth: the child is then accepted without a health questionnaire, even if there is a problem at birth.

Children's deductible

Children's deductibles range from 0 to 600 CHF and the co-payment is capped at 350 CHF a year. A 0 CHF deductible is often advised for little ones, who see the doctor often.