Everything parents should know
We registered our baby with the health insurance before birth. That way, we know that as soon as the baby arrives, it will be perfectly cove
Benefits of prenatal registration
Healthcare insurance is mandatory in Switzerland, including for newborns. With prenatal registration, your child is covered from day one under basic insurance and, if desired, also under EGK-SUN supplementary insurance.
Otherwise, you have three months after the birth to register your child. Basic insurance begins from the date of birth. Supplementary insurance is only possible with a health check and begins on the first day of the month following the date of signature.
You can focus fully on your baby after the birth.
Why is supplementary insurance so important?
Supplementary insurance gives your baby extra cover over and above the basic insurance and offers other benefits such as complementary medicine and later also dental corrections and visual aids.
If you register your baby with EGK before the birth, you will also enjoy the following benefits:
Insurance cover from the very first minute. Omit sentence
Guaranteed admission to EGK-SUN-3 supplementary insurance, general ward throughout Switzerland, without medical examination.
Prenatal registration is possible for all insurance levels:
- General: EGK-SUN-3
- Private: EGK-SUN-1
- Semi-private: EGK-SUN-2
- Flex: EGK-SUN-Flex
Please note: If a birth defect is diagnosed during the first year of life, this is subject to a retroactive reservation from the beginning of the insurance. The benefits relating to this reservation are paid from the EGK-SUN-3 insurance level.
EGK pays the supplementary insurance premium for your baby in the month of birth.
10% family discount on EGK-SUN supplementary insurance policies with a joint premium invoice (only if one parent has also taken out EGK-SUN supplementary insurance)
EGK-SUN
With EGK-SUN supplementary insurance, you have all-in-one insurance – both for outpatient treatment and for hospital stays.
After the birth
Even without prenatal registration, you can still insure your baby with us after the birth.
Basic insurance
- Ask your agency for advice. You will then receive the application form to sign.
Supplementary insurance
- Conclusion after childbirth requires a health check.
- If illnesses or birth defects are identified, a reservation may be made or the application can be rejected.
That is why prenatal registration is worthwhile – it guarantees your baby the best possible cover from the start.
Do you have further questions?
Whether by phone, email or in person – we take the time to address your concerns and find the right solution together.
FAQs
It is advantageous to register the baby before birth. This means that your child has the best protection from birth under basic and supplementary insurance.
No. It is best to register your baby with your health insurer before birth.
- Under basic insurance, insurance cover begins from birth, regardless of whether you registered the baby before birth or within three months of the birth.
- In the case of prenatal registration, supplementary insurance also begins from birth. If registration is after the birth, a health check is required. The insurance then begins from the first day of the month following the date of signature.
- The cost for basic insurance varies depending on your place of residence and your health insurance provider. You can calculate the premiums here.
- The supplementary insurance policies of the individual health insurers vary in terms of benefits and premiums. We would be happy to advise you.
If you registered the baby before birth, you have to notify us of the name and date of birth after the baby is born. You will then receive the policy for your baby.
You haven’t insured the baby yet? Then please contact us within three months of the birth. We will be happy to help you.
- Basic insurance can be cancelled by giving one month's notice to 30 June and 31 December (standard model without a deductible). With a deductible or a special model (family doctor, telemedicine), cancellation is only possible by giving one month's notice to 31 December.
- If the premium stays the same, supplementary insurance can be cancelled by giving three months' notice to 31 December. If there is a premium increase, this insurance can be cancelled by giving one month's notice to 31 December.
- Yes, you can register your baby with us within three months of the birth. Basic insurance begins from birth.If registration is done later than after three months, insurance cover starts from the registration date and a penalty premium may be charged.
- Supplementary insurance requires a health check and, if accepted, is valid from the first day of the month following the date of signature. If there are existing illnesses, a reservation may be made or the application can be rejected.
Maternity
A new life brings many decisions. Here you will find important information for the best possible protection for you and your baby.
