For expecting parents

Register your baby with the health insurer before birth

If you register your child during pregnancy, insurers generally accept it without a health check – and cover starts exactly on the date of birth, including supplementary insurance. An advantage few people know about. Our team finds the right solution for your family – free and non-binding.

Go to the request form ↓

Why prenatal registration pays off

Basic insurance (KVG): admission is always guaranteed – every insurer must accept your child, regardless of when you register and without exclusions. Here, prenatal registration is mainly an organisational relief: everything is settled before the birth, and you can focus on your child.

Supplementary insurance (VVG) – the real reason: if you register before the birth, insurers generally accept your child into supplementary plans without a health check. Cover starts exactly on the date of birth – even if there are complications at birth or your child is not born healthy.

If you only register your child after the birth, insurers require a health questionnaire about the birth and the child for supplementary insurance – with the risk of exclusions, premium surcharges or rejection.

How prenatal registration works

Fill in the contact form – our team gets in touch personally, and together we find the best solution for your family.
Ideal timing: between the 20th and 30th week of pregnancy – at the latest around three months before the expected due date.
Complete the forms and submit them to the insurer, including the expected due date.
After the birth, send the birth certificate to the health insurer – this completes the registration.
Cover applies exactly from the date of birth – including supplementary insurance.

Didn't register before the birth?

After the birth you have three months to register your child with a health insurer. Basic-insurance cover then applies retroactively from the date of birth (premiums are owed from birth). Careful with supplementary insurance: insurers now require a health questionnaire about the birth and the child – acceptance is no longer guaranteed.

Maternity: what basic insurance covers

From the pregnancy confirmed by a doctor or midwife: the specific maternity benefits (check-ups, midwife services, contribution to birth preparation) are covered without deductible or co-payment from the start.
From the 13th week of pregnancy until 8 weeks after the birth: cost sharing is waived completely – including for treatments unrelated to the pregnancy, and including the hospital contribution of CHF 15 per day.
Miscarriage before the 13th week: counts as illness – deductible and co-payment apply.
Stillbirth from the 23rd week of pregnancy: counts as a birth – the cost-sharing exemption until 8 weeks afterwards still applies.
Legal termination of pregnancy: cost sharing remains – there is no exemption here.
Right after the birth: your child is accepted into basic insurance without exclusions; simply send the birth certificate to the insurer to complete the registration.

Send your request now

Fill in the form – our team will contact you personally and guide you through the prenatal registration. Free and non-binding.

First name

Last name

Phone

Postal code

Your place of residence – for the right offers in your region.

Expected due date (optional)

If already known – helps us plan the ideal timing for the registration.

Comments (optional)

E.g. desired supplementary insurance, preferred language, best time to reach you – anything that helps us assess your request.

By submitting this form I confirm that the Franchiserechner team may contact me by phone and e-mail about the prenatal registration of my child. I expressly consent to my pregnancy-related details (e.g. the expected due date) being processed as health data to handle my request. My details are never sold and never shared with third parties for advertising; we transmit them to an insurer only at my request. The privacy policy applies. I can withdraw this consent at any time. ·

Legal basis: Art. 3 para. 1 KVG (registration within 3 months, retroactive start), Art. 64 para. 7 KVG (no cost sharing for maternity from the 13th week until 8 weeks after birth). No guarantee; the law and the insurance terms are authoritative.