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What changes with a child for insurance and money?

In short

With a child, three things come your way.

Your child needs its own health insurance within three months. During leave after the birth you receive 80 percent of salary, at most CHF 220 a day. And you check whether your family is protected if something happens to you.

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

Sort it out in this order

Checklist What do you need to sort out before and after the birth? How do you insure your baby with a health insurer? How is your family protected if something happens to you? Do you get a premium subsidy for your health insurance? What does personal liability insurance pay and what not? Which deductible is right for you?

Want to know more?

What do you get after the birth?

WhatHow muchHow long
Maternity allowance80 percent of salary, at most CHF 220 a day14 weeks
Leave of the other parent80 percent of salary, at most CHF 220 a day2 weeks
Child allowanceAt least CHF 215 a monthUp to 16 years
Education allowanceAt least CHF 268 a monthIn education, from 15 up to 25 at most

Figures according to FSIO and AHV/IV, as of 2026. You apply for the family allowance through your employer.

What does that mean in francs?

If you earn CHF 8,000 a month, 80 percent would be around CHF 213 a day. That is below the maximum, so you get the full 80 percent. With a salary of CHF 10,000 you only get the CHF 220 a day, so around CHF 6,600 a month. Plan for the gap early.

What do you think of first as a family?

  1. Health insurance for the child. Register within three months of the birth.
  2. Protection on death and disability. The benefits for married and unmarried people differ greatly. Read your pension statement.
  3. Premium subsidies. With children, more families are entitled than many think.
  4. Liability for the whole family. Switch the policy to family.

Frequently asked questions

How long does maternity leave last?

The maternity allowance runs for 14 weeks from the birth. It is 80 percent of salary, at most CHF 220 a day. Many employers pay more. That is in your employment contract.

How long does the other parent's leave last?

Two weeks, which you take within six months of the birth, in one block or by the day. Here too you get 80 percent of salary, at most CHF 220 a day.

How much child allowance do I get?

At least CHF 215 a month per child. For children in education there is at least CHF 268 from age 15 up to 25 at most. Many cantons pay more. As of 2026.

Do I have to register my child with personal liability insurance?

Children in the same household are usually insured automatically if you have a family policy. If you have a policy for individuals, switch it to family.

What comes next?

Your path · We are expecting a child Step 1 of 7

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

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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