versicherungswissen DE

Then we show what applies there. Your choice stays on your device.

Has something happened? Describe it in a few words. You see which insurance pays. Go to the claim finder

What do you need to sort out before and after the birth?

In short

Before the birth you clarify supplementary insurance, leave and liability.

After the birth you register your child with the health insurer within three months and apply for the family allowance. In the first year you check whether your family is protected on death or disability. Tick off what is done.

As of 2 October 2026 · Sources bag.admin.ch, ahv-iv.ch, ch.ch and 1 more

ChecklistTick off what is done

0 of 10 done

During pregnancy
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Before the birth there are often no health questions. After that the insurer may turn you down.

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On priminfo.admin.ch you see all insurers. The insurer for the child may be a different one from yours.

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14 weeks of maternity leave, 2 weeks for the other parent. Ask whether your employer pays more than the statutory 80 percent.

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In the first weeks after the birth
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Within three months, then the insurance applies retroactively from birth.

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Through your employer or, if you are self-employed, directly with your compensation office.

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Through the employer of the parent who is entitled. At least CHF 215 a month, as of 2026.

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Then your child is insured too if it breaks something later.

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In the first year
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If you are not married, the other parent often gets little from OASI and the pension fund. Read your pension statement.

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With children more families are entitled. Your canton sets the rules.

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Without a choice CHF 0 applies. Up to CHF 600 is possible and lowers the premium.

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Why a checklist?

In the weeks around the birth you have other things on your mind. Most deadlines are generous, but one is important. If you do not register your child with the health insurer within three months, it is only insured from the time of registration.

What comes next?

Your path · We are expecting a child Step 2 of 7

Your next step How do you insure your baby with a health insurer?

See all steps

Sources and date 2 October 2026

This page explains in general terms and does not replace personal advice. Law and your policy are what counts.

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