Taking out your child's supplementary cover during pregnancy, rather than after, can guarantee them full lifelong cover, with no reservation or medical refusal. A window that never reopens.
LAMal (basic insurance) accepts all newborns unconditionally: it's compulsory and involves no medical selection. Supplementary policies, by contrast, can require a health questionnaire. If a health problem is detected at birth or in the first months, the insurer can add a reservation, raise the premium, or even refuse certain benefits. By subscribing before the birth, your baby is generally accepted without examination, still medically unknown.
Key point: a supplementary policy refused or subject to a reservation at birth can remain so for life. Prenatal subscription is one of the few insurance decisions that is truly irreversible in its consequences.
Semi-private or private ward, free choice of doctor, single room, a level of comfort not covered by LAMal alone.
One of the costliest items of childhood. A supplementary policy taken out early, before any identified treatment, allows partial cover that is often significant.
Osteopathy, homeopathy and other recognised approaches, frequently used for young children.
A contribution towards vision correction, useful from the earliest age if needed.
Our support: we compare children's supplementary policies from several insurers during your pregnancy and prepare the subscription so it takes effect from birth, with no administrative stress at the time of delivery.
Pregnancy is a busy time: we handle the comparison and preparation of your child's supplementary cover so everything is ready at birth. Free, impartial advice with no obligation.
No. Basic insurance is compulsory and accepts all newborns without a health questionnaire. Only supplementary policies can be subject to conditions.
It's possible, but the insurer can then request a health questionnaire and add a reservation if a problem is already known. Hence the value of acting before the birth.
Not necessarily. The child can be insured with a different insurer if its terms are more advantageous, which is exactly the point of an independent comparison.
Prepare your child's cover before they're born
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