All you need to know about insurance and provision for your child

A child's birth is one of the most beautiful moments in a parent's life. However, it may not be long before various questions arise regarding the protection of your child and your family. has summarised the key topics for you.

These are the following:

Health insurance

  • Basic health insurance

    With the birth of your child behind you, your family now has a new little member. You should apply for health insurance for your baby within three months of its birth. If you register it too late, there is a risk of the insurance benefits being cut. Health insurance basically covers all necessary medical expenses (minus the maximum out-of-pocket), e.g. many vaccinations and preventive check-ups. Since your child does not need to be insured with the same provider as you are, it is worth retrieving free quotes from other insurance companies on – it's easy! More...

  • Supplemental insurance

    Conventional or alternative medicine? Maybe you prefer trying a more gentle treatment approach with your child. In that case, you might want to consider taking out a supplemental insurance for alternative medicine as basic insurance only covers certain treatment methods. Dental insurance is also advisable. Not all children are blessed with a naturally healthy and straight set of teeth. Orthodontic treatment can easily cost way over 10,000 francs. We recommend taking out dental insurance shortly after birth. The latest possible moment to do this is before the child's first dental appointment.

Property insurance

  • Personal liability insurance

    For now, your baby is still very dependent on you – but soon it will start to discover the world on its own, using all its senses. It is perfectly normal that it will also break a few things in the process. To hedge your bets in case the damage caused by your offspring affects third parties, you can include your child in your personal liability insurance. Usually, it is enough to notify your insurance provider without having to pay an additional premium. More...

  • Contents insurance

    Home contents insurance covers damage to household items, furniture, clothes and sports gear caused by fire, water, theft or glass breakage. If you already hold a contents insurance policy, you might want to recalculate and, if necessary, adjust your sum insured. Otherwise, you risk being under-insured. More...

Life insurance

You may want to contemplate buying life insurance to make sure that your family does not encounter financial problems should the bread-winner become disabled or die. Even if only one parent is working, life insurance makes sense for both: if something happens to the parent taking care of the children, this usually entails higher expenses for child care and housekeeping. More...