Maternity benefits under basic insurance
The most important benefits for pregnancy and childbirth are covered by mandatory basic insurance.
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What does basic insurance pay for pregnancy and childbirth?
The main maternity benefits are covered by mandatory basic insurance. There is no co-payment or deductible from the 13th week of pregnancy until eight weeks after the birth. If a woman loses her baby before the start of the 13th week of pregnancy, this counts as an illness and she must pay the deductible and retention fee.
Benefits basic insurance
Before the birth
Medical check-ups (incl. laboratory costs)
Normal pregnancy: 7 check-ups
High-risk pregnancy: check-up intervals as determined by doctor
Check-ups by midwife
Normal pregnancy: 7 check-ups
High-risk pregnancy: benefits as prescribed by doctor
Ultrasound
Normal pregnancy: 2 check-ups
High-risk pregnancy: check-up intervals as determined by doctor
Compression stockings
2 pairs of medically prescribed compression stockings per year, amount as laid down in the aids and appliances list
Medication
Medically prescribed medication as laid down in the Specialty List and drug formulary, with tariffs
Alternative medicine
Medical treatment with acupuncture, anthroposophic medicine, traditional Chinese medicine (TCM), classic homeopathy, and phytotherapy (from doctors with the corresponding training)
Antenatal preparation
CHF 150 (antenatal classes given by midwives and midwifery consultations)
At birth
Birth and obstetric support at home, in hospital or at a birth centre
Outpatient birth: costs of doctor, midwife, medication and aids
Inpatient birth: general ward in a hospital or at a birth centre in accordance with the hospital list for the canton of residence
Birth abroad in an emergency (e.g. premature birth)
General ward (Up to twice the tariff in the canton of residence. In EU States, the provisions laid down in the Bilateral Agreements apply)
Birth abroad as elective treatment
Costs of the birth only in exceptional cases
Attendance of family members (in Switzerland)
No benefits
After the birth
Check-ups
One medical examination between 6 and 10 weeks after the birth
One examination by a midwife up to 10 weeks after the birth
Hospital accommodation, initial examination and care costs for newborns
Benefits paid from the mother’s insurance for healthy newborns immediately after the birth (lying-in)
Outpatient lying-in care
Examinations and treatment by midwives
After a home or outpatient birth, following discharge from the hospital or birth centre: payment for nursing care provided by midwives or nursing staff with the relevant additional training
Home help
No benefits
Breastfeeding benefit
No benefits
Breastfeeding
3 sessions of breastfeeding advice from midwives or carers with the relevant training
Breastfeeding compresses as laid down in the aids and appliances list, with doctor’s prescription
Breast pump
Hand-operated: purchase
Electrical: rental as laid down in the aids and appliances list, with doctor’s prescription
Courses
No benefits
