Pregnancy | 30.7.2026
Basic health insurance covers essential medical services throughout pregnancy and childbirth. However, taking out supplementary health insurance can be worthwhile in Switzerland if you and your partner would like to enjoy additional benefits throughout your pregnancy journey. Our insurance expert provides an overview and top tips.
For pregnancy, supplementary hospital insurance or supplementary outpatient insurance are top of the list. These provide you with benefits that go beyond those offered by basic health insurance.
In Switzerland, basic health insurance only covers legally mandated pregnancy and childbirth services. This includes check-ups, antenatal classes, midwifery care and the delivery. Additional services or a greater level of comfort during hospital stays are often only possible with supplementary insurance.
Anyone planning a family or wishing to have children should look into supplementary insurance early on, as many health insurance companies apply waiting periods and require a health check.
Supplementary hospital insurance offers greater comfort and more options during a hospital stay. For example, you benefit from additional services during the delivery that are not covered by basic insurance. If you are planning a family and considering taking out supplementary hospital insurance, be sure to compare the different plans available. Supplementary hospital insurance provides important benefits during pregnancy and maternity.
We advise taking out supplementary hospital insurance early, as a waiting period of 270 days applies to maternity benefits.
Flexible supplementary hospital insurance
For each hospital stay, you have the flexibility to choose whether to stay on a general, semi-private or private ward. You also enjoy additional benefits such as a free choice of doctor and contributions towards health cures or home help. More information: Flexible supplementary hospital insurance
Semi-private supplementary hospital insurance
Semi-private insurance offers you a twin room on a semi-private ward, a free choice of doctor and a free choice of hospital across Switzerland. Additional benefits include contributions towards health cures or home help. More information: Semi-private hospital insurance
Private hospital insurance
With private insurance, you enjoy maximum comfort in a single room on a private ward, a free choice of doctor and the greatest possible flexibility when choosing a hospital. Contributions towards health cures or home help are also included. More information: Private hospital insurance
General hospital insurance
General insurance offers you a solid level of basic protection, covering the costs for rooming-in during delivery on a general hospital ward. More information: General hospital insurance
Semi-Private, Private or Flex? Find the supplementary KPT insurance that works for you.
Supplementary hospital insurance supports you beyond pregnancy and childbirth, offering more benefits, a greater level of comfort and additional options during hospital stays.
Pulse supplementary outpatient insurance complements basic health insurance coverage with a wide range of contributions towards health promotion and preventive healthcare,
including pregnancy and childbirth services, complementary medicine, fitness, glasses, check-ups and other health-related services.
We advise taking out Pulse supplementary outpatient insurance early, as a waiting period of 270 days applies to maternity benefits.
Pulse Top
Supports you with 75 percent of the costs for additional pre- and postnatal check-ups, antenatal classes and breastfeeding counselling (up to 300 francs).
Pulse Premium
You receive 75 percent of the costs for additional pre- and postnatal check-ups, antenatal classes and breastfeeding counselling (up to 450 francs).
Invest in your health even before pregnancy: With Pulse Top or Pulse Premium supplementary outpatient insurance, you benefit from contributions towards check-ups, gym memberships or yoga classes.
During maternity, you receive benefits for additional pre- and postnatal check-ups, antenatal classes and breastfeeding counselling.
Pulse also offers contributions towards well-being and preventive healthcare in later stages of life.
In Switzerland, the applicable waiting period under supplementary health insurance is called a Karenzfrist.
It means that supplementary insurance will only cover costs related to pregnancy and childbirth once the applicable waiting period has expired. Depending on the insurer, this can be up to 270 days.
This is why it is strongly advised to take out supplementary insurance well in advance of any planned pregnancy. If you only take out the insurance once pregnant, you may miss out on some useful benefits.
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.
Use our premium calculator to create a customised quotation for your baby and discover your premium.
Stefania Cortesi 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.
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