Family health insurance: health insurance for the whole family
Basic health insurance is mandatory for all Swiss residents. This applies both to adults and children. Find the right health insurance for your entire family.
Health insurance for your baby
There is no special family insurance in Switzerland, as there is in some other countries. In Switzerland, health insurance premiums are charged per capita. When the term “family insurance” is used in the Swiss context, it refers to insurance bundles for families. These include basic insurance and supplemental insurance.
Basic health insurance for babies
All babies must have their own basic health insurance cover. You need to take out basic insurance for babies within three months of birth.
Signing up for health insurance before the birth
If you want to make sure you have comprehensive cover for your unborn child, you can apply before the baby is born. You can also take out supplemental insurance before the birth. One advantage of taking out insurance while you are still pregnant is that you can usually choose supplemental insurance without having to complete a health assessment for your child.
Cover for costs associated with birth defects
Birth defects are conditions or diseases that are present when the baby is born. If the condition or disease is recognized as a birth defect by disability insurance (DI), this insurance will cover the cost of medical treatment.
Other types of insurance for your baby
Basic health insurance is essential for your baby, but it’s also worth considering supplemental insurance. This list will help you find the right insurance products for your baby .
Good to know: basic insurance premiums are lower for children. Some insurers also offer a further discount for the second or third child and every additional child.
Many offer family discounts on supplemental insurance as well.
Health insurance during pregnancy
Health insurance for your child
You pay a lower premium for children. Young adults (from 19 to 25 years of age) often also benefit from reduced premiums.
Useful additional insurances include supplemental dental insurance and supplemental insurance for glasses. It’s a good idea to calculate health insurance premiums for your child or children.
Supplemental dental insurance
Dental treatment can be expensive. Taking out supplemental dental insurance can be well worth it, especially for children. You should take this insurance out as early as possible – ideally while they are still of kindergarten age. This will save you money.
Supplemental insurance for glasses
Health insurance will contribute towards the cost of children’s glasses and contact lenses. Comparis provides information on the costs covered, deductibles and possible supplemental insurance products.
Tips on health insurance for families
Do you have more than one child? If so, you can benefit from family discounts on your health insurance. It’s worth comparing, as these discounts vary.
