Nexin

Prenatal Registration

Secure coverage early – Get health insurance before the birth.
Compare Now

What does prenatal registration mean?

Prenatal registration allows expectant parents in Switzerland to take out health insurance for their newborn before the child is born. This step is often underestimated but is very important.

Benefits and coverage of prenatal registration

Prenatal registration offers expectant parents in Switzerland numerous benefits and ensures that the child is optimally insured from the very first day of life. Here is an overview of the key benefits:

 

Immediate insurance coverage: The newborn is fully insured from birth — with no waiting periods or gaps in basic or supplementary insurance.

 

Guaranteed acceptance for supplementary insurance: Supplementary insurance can be taken out without a health check — a major advantage, especially in the case of congenital conditions.

 

Extended benefits: Depending on the selected insurance package, benefits such as dental treatments, alternative healing methods, or preventive health measures may also be covered.

 

Financial planning security: Parents can plan with fixed premiums and benefits even before the birth — making financial planning easier.

 

Relief after birth: Thanks to early coverage, parents do not need to worry about insurance after the birth and can fully focus on their baby.

Registration for supplementary insurance

In Switzerland, you can take out supplementary insurance for your unborn child — without any health check. Normally, a health check is required before entering a voluntary supplementary insurance, but this is waived with prenatal registration.

 

Admission to supplementary insurance can be denied after birth if a congenital condition is present. For this reason, it is recommended to take out supplementary insurance before the birth whenever possible.

 

If your baby is born with an illness or condition, prenatal registration ensures that they are fully insured from the start — even in the case of a premature birth.

 

With a private or semi-private hospital supplementary insurance, you are entitled to have your child treated by a senior physician or chief physician instead of a junior doctor. However, note that hospital insurance (semi-private or private) sometimes still requires a health questionnaire for admission.

Frequently Asked Questions

Here you will find answers to questions you may have for us.

Why should I register my baby with the health insurance before birth?

Prenatal registration ensures that your baby is fully insured from the first day of life. It provides easy access to supplementary insurance — often without a health check — and secures valuable benefits. In addition, parents benefit from attractive discounts and do not have to deal with insurance formalities after the birth.

When is the best time for prenatal registration?

The ideal time for prenatal registration is between the 4th and 8th month of pregnancy. Making an early decision ensures that all documents are submitted on time and that insurance coverage starts as planned.

What happens if I insure my child only after birth?

If the child is only registered after birth, a health check may be required for supplementary insurance. If the newborn has any health issues or a congenital condition, there is a risk that certain insurance benefits may be denied or only partially covered.

What role does prenatal registration play in the case of congenital conditions?

In the case of a congenital condition, prenatal registration is especially valuable. Since no health check is required, both parents and child benefit from comprehensive insurance coverage — including services not covered by basic insurance.