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Babies/children | 3.2.2026
To insure your baby or newborn from their very first breath, you should ideally take out health insurance before they are even born. In Switzerland, health insurance must, by law, be arranged no later than three months after the birth. Read on to discover which model, deductible and supplementary insurance are the best choice for your baby.
Basic health insurance is compulsory for everyone in Switzerland – including your newborn from the day on which they are born, as they are not automatically covered by the parents’ insurance.
Health insurers in Switzerland are obliged to accept your baby – even if born with medical issues.
Basic health insurance always provides the same benefits regardless of health insurer.
We recommend registering your baby for health insurance even before they are born. This allows you to focus on your newborn and family life during your first few weeks as parents rather than having to deal with administrative tasks. You can simply submit your child’s date of birth at a later point in time.
Basic health insurance covers the following benefits for babies:
As your child grows, health and development checks are supplemented by the following benefits:
Find out more about benefits under basic health insurance and supplementary insurance for children.
During maternity, basic health insurance covers the following benefits for mothers:
Yes, your baby needs accident insurance – this is compulsory for everyone in Switzerland who is not insured as an employee by their employer. If you take out health insurance for your baby (ideally prior to birth) this automatically includes accident insurance.
In addition to compulsory accident insurance, many insurers also offer lump-sum or daily allowance accident insurance. These supplementary insurance plans pay out a one-time sum or a daily allowance in the event of permanent damage or prolonged recovery periods, for example. They are optional and can be worthwhile depending on your personal circumstances.
Check the conditions of the various models offered by your health insurer. The benefits covered by basic health insurance are identical but discounted premiums may be available depending on the model. Many health insurers offer a free choice of paediatric doctor with all models.
The most suitable model for you depends on your individual needs and personal circumstances.
The deductible is the amount that you have to pay towards health costs each year before health insurance will cover the rest (up to 90% of the costs). The 10% excess (maximum 350 francs per year for children) also applies to babies once the deductible has been paid.
We recommend the lowest deductible of 0 francs for babies and infants as they often require medical treatment and check-ups in the first few years of life.
Give your baby the best start in life: if registered for health insurance prior to being born, your baby will not need a health check for most supplementary insurance plans.
Calculate premium or request quotation
Our premium calculator makes it quick and easy to register your baby prior to birth, calculate premiums or request a quotation.
Supplementary insurance for babies or children can be worthwhile as it closes the gaps left by basic health insurance and covers benefits that go beyond standard treatment. For example, you can choose from a broader range of medication, receive contributions towards complementary medicine treatments or protect yourself against the high cost of emergency medical treatment abroad.
Where supplementary insurance can be taken out prior to a baby’s birth, we recommend registering the baby during pregnancy to avoid a health check. After the birth, there are some supplementary insurance plans that cannot be taken out if medical conditions have been diagnosed or treatments are necessary.
Dental insurance for children covers dental treatments that are not included under basic health insurance or other insurance plans. As the cost of braces for children can quickly exceed 10,000 francs, insurance is particularly worthwhile. In addition to orthodontic treatment, supplementary dental insurance also covers:
The assumption of costs varies depending on the benefit class selected. It is particularly worth taking out supplementary dental insurance for children prior to the age of 5 as no dental certificate is required.
Supplementary outpatient insurance plans such as Pulse from KPT can be advisable. They cover a number of medical benefits not included under basic health insurance, such as complimentary medicine treatments, a wider range of medication and vaccinations. And if you like travelling and want to sufficiently insure your baby for your holidays, they also include 8 weeks of travel and holiday insurance per year.
Supplementary hospital insurance for your baby provides protection against unexpected costs and offers your family greater comfort, for example if you wish to stay overnight in hospital with your child or want your baby to be treated in a hospital outside the canton. Supplementary hospital insurance also provides comprehensive cover for emergency transport and rescue. Basic health insurance only covers 50% of the costs of emergency transport, for example, up to a maximum of 500 francs, which is often not sufficient.
The cost of health insurance for a baby in Switzerland depends on various factors such as the basic health insurance model, deductible, canton of residence and any supplementary insurance. The premium for children is generally lower than that for adults.
Basic health insurance and accident cover: children usually pay 20 to 25% of the adult premium.
Supplementary insurance: the cost of supplementary insurance varies greatly and can lie between 10 and 50 francs per month, depending on the desired benefits such as supplementary dental insurance, hospital insurance or outpatient insurance.
Stefania Grassi is a KPT product manager and passionately committed to the development of advanced health insurance products. She uses her extensive experience in product development, market analysis and trend monitoring to share valuable insights into the world of insurance solutions on our blog.
Give your baby the best start in life: if registered for health insurance prior to being born, your baby will not need a health check for most supplementary insurance plans.
Calculate premium or request quotation
Our premium calculator makes it quick and easy to register your baby prior to birth, calculate premiums or request a quotation.
Calculate the premium or use our premium calculator to create a customised quotation for your baby. By registering your baby prior to birth, you secure health insurance at an early stage – and eliminate the need for a health check for most supplementary insurance plans.
Health insurance covers a wide range of important pregnancy-related services, such as check-ups, antenatal classes, midwifery care and delivery at a birth centre. Most of these costs are covered by basic health insurance without any deductible or excess. This article explains which benefits are covered and helps you look forward to a stress-free maternity.
Basic health insurance can be supplemented in several ways; for example, with dental insurance or flexible hospital insurance. But which plans should you choose? Read on to discover the types of supplementary insurance available and the benefits they provide.
Many people dream of a perfect smile with beautifully aligned teeth. Braces are often the answer. However, corrective dentistry for children or adults can put significant strain on the household budget. Read on to discover which orthodontic costs can be covered by your health insurance.
To be sufficiently covered in the event of illness, it is important to choose the right health insurance for your child or children. But which deductible and which basic health insurance model are best for you? And which supplementary insurance is worthwhile? We help untangle all the options.
Rising healthcare costs lead to higher health insurance premiums. Despite this, there are still ways to save. Find out what discounts are available on basic and supplementary insurance plans.
