Family planning
From prenatal registration to postnatal cover — seamless and risk-reducing.
Why this matters
If a child is born with a congenital disorder or health issues, access to many supplementary insurances may remain closed to it for life – companies are allowed to assess and decline after the birth. If you register during pregnancy instead, you bypass this assessment entirely, however the birth goes. If, say, misaligned teeth show up years later, it is precisely this early step that decides whether the correction is co-funded or whether the parents shoulder the entire bill themselves.
The Swiss framework gives expectant parents clear guard rails: the child’s basic insurance must be taken out within three months of the birth and applies retroactively from the first day of life. For maternity benefits, no cost-sharing applies, and working mothers receive a maternity allowance through the loss-of-earnings compensation scheme for 14 weeks. At the same time, a child changes the whole financial picture: if one parent reduces their workload, a loss of earnings or a death suddenly weighs twice as heavily. That is why family planning involves more than registering the child – it means looking at the parents’ own protection.
What you get out of it
Your child is covered from day one — without any health check.
Registering before the birth secures supplementary cover that could be refused later.
One less worry at a time when you have other things on your mind.
What we take care of for you
- Pre-birth registration for basic and supplementary insurance
- Review of daily benefits and loss of earnings for parental leave
- Adjusting liability, household contents and pension provision to your new family situation
- Registering your child after the birth — conveniently via our client portal too
The advice is free for you — we are remunerated by the insurance companies through brokerage commissions and will disclose these on request.
Tips from our consultations
What we tell our clients time and again – free of charge, even before the first meeting.
Register your child for hospital and dental supplements before the birth – that is the only moment at which no health questions may be asked. After the birth, this window closes for good. A short appointment in the second trimester is usually all it takes.
Your child does not automatically have to join the parents’ insurer. Children’s premiums and discounts differ considerably between companies, especially with several children. A separate comparison is almost always worthwhile.
Small children see the doctor often – from routine check-ups to the next ear infection. An optional deductible therefore rarely pays off for them; the standard deductible of zero is usually the right choice. Only in the teenage years is it time to do the sums again.
With the new addition to the family, review your own protection too: death lump sum, disability and the gaps that come with reducing your workload. Unmarried couples should also expressly regulate the beneficiary designations in pension provision and insurance, as the law places them at a disadvantage compared with married couples.