Wish for children
You and your partner have decided to start a family, thereby making an important addition to your lives. There are undoubtedly many questions in your mind concerning your forthcoming pregnancy and your future life with one or several children.
Many couples are content to simply wait for a pregnancy to occur. Others are keen to know the precise functioning of the biological processes involved and how they can fall pregnant as soon as possible. In the chapter entitled Reproduction, you will find information about fertility and pregnancy planning. In the section titled Reproduction, you will find information about male and female fertility as well as pregnancy planning.
Those who simply wait for pregnancy to occur should not forget that the likelihood of natural conception decreases as a woman ages. The statistical probability of pregnancy is 30 % per cycle between the ages of 20 and 25 years, but only 10 % above the age of 40.
If you have been trying to fall pregnant for a year or more, and no longer wish to simply wait for pregnancy to occur, there are several methods of medically-assisted reproduction available. We have outlined below the most common methods of examination and treatment. An individual consultation with your medical specialist will assist you in selecting the right approach for you.
In the chapter entitled Preparation, we have compiled several tips to assist you in making the best possible preparations for your pregnancy.
In accordance with the Health Insurance Act (KVG), your health insurer will pay for the care provided by your medical specialist and the midwife. Specifically, this includes the following services:
- seven check-ups
- for high-risk pregnancies these check-ups can be repeated if necessary; a cardiotocography examination is also carried out for high-risk pregnancies
- two ultrasound examinations: the first takes place between weeks 11 – 14 and the second between weeks 20 – 23
- additional ultrasound examinations may be carried out for high-risk pregnancies if this is deemed necessary by the gynaecologist
- medication, therapeutic products and surgical dressings
- your health insurance company contributes CHF 100 towards group antenatal classes provided by a midwife
Basic health insurance covers the costs of childbirth and your stay in the public part of the postnatal ward of a public hospital in your canton of residence. Basic insurance also includes a follow-up examination of your baby between six to ten weeks after the birth, as well as three breastfeeding consultations with qualified medical professionals.
For normal pregnancies, births and postnatal care, you do not have to pay any excess. However there will be out-of-pocket expenses if there are complications, risks or in the case of a miscarriage, as these are treated as medical expenses.
If you have supplementary hospital insurance (semi-private, private), you can give birth at a hospital of your choice. You will have a single or twin room and your personal gynaecologist will look after you during the birth and the postnatal period.
However it is possible to give birth at a Hirslanden hospital if you do not have supplementary insurance. Most of our maternity units offer patients with basic health insurance the opportunity to upgrade and receive a wide range of special services.
Extra costs incurred due to complications or risks during the pregnancy are not subject to the same conditions.
Some health insurers have a waiting period for pregnancy and childbirth. That means that the related costs will only be covered after a period of between nine months and two years. So if you would like to benefit from the advantages of supplementary health insurance, remember to purchase it well in advance before you become pregnant.
And last but not least: some health insurance companies require you to register your child before it is born, or up to three months after the birth at the latest. This is the only way to ensure that any medical costs will be covered from day one.