Birth

Where to give birth

«I have to make so many decisions. Is it best to have my baby in hospital? I've also thought about a home birth, but I'm not sure if that would be taking a risk. Giving birth in a birthing centre would also be an option.»

Wo gebären

The decision where you want to give birth lies entirely with you. There is of course something appealing about having your baby at home in familiar surroundings. With the help of a midwife, home births tend to go smoothly. However, there are also advantages to going into hospital to give birth. Most expectant mothers prefer to have their baby in hospital. If your pregnancy has not been completely free of complications, you may be more likely to choose this option.

The familiar surroundings of a birthing centre

A third option open to you is having your baby in a birthing centre. In a recognised birthing centre, you'll be looked after professionally by well-trained and experienced midwives before, during and after the birth. You'll give birth to your baby in a peaceful and harmonious environment, totally geared towards the needs of mother and child.

Safety and comfort while giving birth

There are various aspects you have to consider when choosing where to give birth. For example, you need to think about your baby's safety in the event of complications during labour. But you should also consider your own expectations, such as the standard of comfort you want during the birth, the need for personal care or the option of a water birth.

Home birth

If you give birth at home, a midwife will take care of you during the birth and the first few days afterwards. In the event of complications, you'll be transferred to hospital where you and your baby will continue to receive professional care.

Outpatient birth in a birthing centre or hospital

If you decide in favour of an outpatient birth, you will go home with your baby a few hours after giving birth. You and your baby will then be looked after by an independent midwife if required.

Inpatient birth in a birthing centre or hospital

During the birth, you'll be looked after by midwives and a team of doctors. A few hours after the birth, you and your baby will be transferred to the mother and baby ward, where you'll spend the immediate postnatal period.

What can Helsana do for you?

Hospitals

Choose from the list of recognised cantonal hospitals. Depending on the supplementary hospital insurance, you have the option of choosing a hospital outside your canton of residence.

Birthing centres

Birthing centres are equal to hospitals. The same options apply. If you choose a birthing centre that is not on the cantonal list, the outpatient costs can be paid on the basis of the time expended and the currently valid midwives' tariff.

Home birth

If you want to have a water birth at home, the birthing pool is included in the "Aids and equipment".

Home birth

Basic insurance
Costs in accordance with the applicable rate or contract

For a home birth, you can claim costs in accordance with the applicable rate or contract with the midwife.


TOP
90% up to CHF 1,000 towards a birth pool

For a home birth you can claim costs in accordance with the applicable rate or contract with the midwife.


Product information:
TOP
COMPLETA
90% up to CHF 1,500 towards a birth pool

For a home birth you can claim costs in accordance with the applicable rate or contract with the midwife.


Product information:
COMPLETA
OMNIA
90% up to CHF 1,000 towards a birth pool

For a home birth you can claim costs in accordance with the applicable rate or contract with the midwife


Product information:
OMNIA
HOSPITAL PLUS
CHF 1500.–

For a home birth you receive a lump sum on birth of CHF 1,500.


Product information:
HOSPITAL PLUS
HOSPITAL PLUS BONUS
CHF 1500.–

For a home birth you receive a lump sum on birth of CHF 1,500.


Product information:
HOSPITAL PLUS BONUS
HOSPITAL COMFORT
CHF 2000.–

For a home birth you receive a lump sum on birth of CHF 2,000.


Product information:
HOSPITAL COMFORT
HOSPITAL COMFORT BONUS
CHF 2000.–

For a home birth you receive a lump sum on birth of CHF 2,000.


Product information:
HOSPITAL COMFORT BONUS
HOSPITAL FLEX
CHF 500 or CHF 1,000

For a home birth you receive the following lump sums on birth, depending on which option you have chosen:

HOSPITAL FLEX 1

  • You receive CHF 500 per birth.

HOSPITAL FLEX 2

  • You receive CHF 1,000 per birth.

Product information:
HOSPITAL FLEX

Outpatient birth

Basic insurance
Costs in accordance with the applicable rate or contract

For a home birth or a delivery in a hospital or birthing centre on an outpatient basis, you can claim costs in accordance with the applicable rate or contract with the hospital or midwife.


COMPLETA
90% up to CHF 1500.– towards a birth pool

You receive 90% of the costs of a birthing pool for a home birth, up to CHF 1,500 per calendar year.


Product information:
COMPLETA
OMNIA
90% up to CHF 1000.– towards a birth pool

You receive 90% of the costs of a birthing pool for a home birth, up to CHF 1,000 per calendar year.


Product information:
OMNIA
HOSPITAL PLUS
CHF 1500.–

For a home birth or a delivery in a hospital or birthing centre on an outpatient basis, you receive a lump sum on birth of CHF 1,500.


Product information:
HOSPITAL PLUS
HOSPITAL COMFORT
CHF 2000.–

For a home birth or a delivery in a hospital or birthing centre on an outpatient basis, you receive a lump sum on birth of CHF 2,000.


Product information:
HOSPITAL COMFORT
HOSPITAL COMFORT BONUS
CHF 2000.–

For a home birth or a delivery in a hospital or birthing centre on an outpatient basis, you receive a lump sum on birth of CHF 2,000.


Product information:
HOSPITAL COMFORT BONUS
HOSPITAL FLEX
CHF 500.– or CHF 1000.–

For a home birth or a delivery in a hospital or birthing centre on an outpatient basis, you receive the following lump sums on birth, depending on which option you have chosen:

HOSPITAL FLEX 1

  • You receive CHF 500 per birth.

HOSPITAL FLEX 2

  • You receive CHF 1,000 per birth.

Product information:
HOSPITAL FLEX

Semi-private ward

HOSPITAL PLUS
Two-bed room, free choice of doctor

You can claim the costs of accommodation and medical treatment in a two-bed room in the semi-private ward of any hospital in Switzerland. There, you can enjoy a peaceful environment and privacy as well as a free choice of doctor at the hospital.

Please note that certain hospitals do not have a (recognised) semi-private ward, in which case you may incur costs which you will have to bear yourself.


Product information:
HOSPITAL PLUS
HOSPITAL PLUS BONUS
Two-bed room, free choice of doctor

You can claim the costs of accommodation and medical treatment in a two-bed room in the semi-private ward in any hospital in Switzerland. There you can enjoy a peaceful environment and privacy, as well as a free choice of doctor at the hospital.

Please note that certain hospitals do not have a (recognised) semi-private ward, in which case you may incur costs which you will have to bear yourself.


Product information:
HOSPITAL PLUS BONUS
HOSPITAL PLUS CLASSICA
Two-bed room, free choice of doctor

You can claim the costs of accommodation and medical treatment in a two-bed room in the semi-private ward in any hospital in Switzerland. There, you can enjoy a peaceful environment and privacy, as well as a free choice of doctor at the hospital.

Please note that certain hospitals do not have a (recognised) semi-private ward, in which case you may incur costs which you will have to bear yourself.


Product information:
HOSPITAL PLUS CLASSICA
HOSPITAL FLEX
Two-bed room, free choice of doctor

You decide in each case what ward you would like to be admitted to and be treated in.

In a semi-private ward, you enjoy a peaceful environment and privacy in a two-bed room and have a free choice of doctors at the hospital. Depending on which option you select, you bear part of the costs yourself:

  • HOSPITAL FLEX 1: You pay 35% of the costs up to CHF 3,000 per calendar year.
  • HOSPITAL FLEX 2: You pay 20% of the costs up to CHF 2,000 per calendar year.

Product information:
HOSPITAL FLEX

Private ward

HOSPITAL COMFORT
One-bed room, free choice of doctor

You receive the costs of the stay and medical treatment in a one-bed room in the private ward of any hospital in Switzerland. There you can enjoy peace and privacy as well as a free choice of doctor.

Please note that some hospitals do not have a (recognised) private ward; in such cases, you may incur costs for which you alone will be responsible.


Product information:
HOSPITAL COMFORT
HOSPITAL COMFORT BONUS
One-bed room, free choice of doctor

You receive the costs of the stay and medical treatment in a one-bed room in the private ward of any hospital in Switzerland. There you can enjoy peace and privacy as well as a free choice of doctor.

Please note that some hospitals do not have a (recognised) private ward; in such cases, you may incur costs for which you alone will be responsible.


Product information:
HOSPITAL COMFORT BONUS
HOSPITAL COMFORT CLASSICA
One-bed room, free choice of doctor

You receive the costs of the stay and medical treatment in a one-bed room in the private ward of any hospital in Switzerland. There you can enjoy peace and privacy as well as a free choice of doctor.

Please note that some hospitals do not have a (recognised) private ward; in such cases, you may incur costs for which you alone will be responsible.


Product information:
HOSPITAL COMFORT CLASSICA
HOSPITAL FLEX
One-bed room, free choice of doctor

You decide in each case what type of ward you would like to be admitted to and be treated in.

In a private ward you enjoy peace and privacy in a one-bed room and have a free choice of doctor. Depending on which option you select, you pay for part of the costs yourself:

  • HOSPITAL FLEX 1: You pay 50% of the costs up to CHF 9,000 per calendar year.
  • HOSPITAL FLEX 2: You pay 35% of the costs up to CHF 4,000 per calendar year.

Product information:
HOSPITAL FLEX

Medical aids and equipment

Basic insurance
According to list

You receive the costs of medically prescribed aids and apparatus, such as crutches, blood-sugar measuring devices, inhalation/respiration therapy equipment and compression stockings, up to the maximum amount specified by law.

This is on condition that the medical aids are listed in the aids and equipment list and that you obtain them from an authorised provider.


TOP
90% up to CHF 1,000 / Fixed amount

You receive 90% of the costs of medically prescribed aids and equipment that improve restricted body functions, such as blood pressure monitors and orthopaedic shoe inserts, up to CHF 1,000 per year.

This is on condition that the aids and equipment are recognised by us.

For reusable aids, you receive costs up to the fixed amount. You can find these in the list of reusable aids and equipment.


Product information:
TOP
COMPLETA
90% up to CHF 1,500 / Fixed amount

You receive 90% of the costs of medically prescribed aids and equipment that improve restricted body functions, such as blood pressure monitors and orthopaedic shoe inserts, up to CHF 1,500 per year.

This is on condition that the aids and equipment are recognised by us.

For reusable aids, you receive costs up to the fixed amount. You can find these in the list of reusable aids and equipment.


Product information:
COMPLETA
PRIMEO
Excess amount

Applies if you also receive a contribution from basic insurance.

You do not receive any contributions for excesses of other social insurance institutions such as AHV or disability insurance.

If the benefits you receive for medical aids from your basic insurance are not enough to cover the entire cost, you receive up to CHF 5,000 per year towards the uncovered part of the cost.


Product information:
PRIMEO
OMNIA
90% up to CHF 1,000 / Fixed amount

You receive 90% of the costs of medically prescribed aids and equipment that improve restricted body functions, such as blood pressure monitors and orthopaedic shoe inserts, up to CHF 1,000 per year.

This is on condition that the aids and equipment are recognised by us.

For reusable aids, you receive costs up to the fixed amount. You can find these in the list of reusable aids and equipment.


Product information:
OMNIA