Pregnancy

Uncertainty during pregnancy

«Sometimes I'm suddenly plagued by worries. Will my baby be born healthy? You hear such a lot. Down syndrome, spina bifida. It worries me. I don't know if I'd be strong enough to raise a disabled child.»

Ungewissheit

The question of prenatal testing comes up with every pregnancy, as every expectant mother has thoughts like these. It's reassuring to know that statistically, 93 out of 100 children in Switzerland are born perfectly healthy. Nevertheless, it's legitimate if you want to have some certainty. That's what prenatal diagnostics are for. With prenatal testing, at least some of the possible abnormalities in the embryo can be ascertained in the womb.

Prenatal testing: not without risk

Before opting for prenatal tests, you should ask your gynaecologist for advice. He or she can arrange for the tests if they seem reasonable.

Think carefully about the pros and cons. Involve your partner in your decision and talk to other people you trust if possible. It's important that you do what's right for you in the end. You have to be convinced you're making the right decision.

By the way, some prenatal tests can reveal whether you're expecting a boy or a girl. But you don't have to find out about the sex if you don't want to. Perhaps you'd rather it be a surprise?

What can Helsana do for you?

Contact us if your gynaecologist believes one or several prenatal diagnostic tests are advisable.

We'll be happy to advise you on the tests for which you will be entitled to a reimbursement of costs under your insurance. Here are three examples:

Amniocentesis

The amniotic sac is punctured with a needle through the abdominal wall and amniotic fluid is withdrawn. The child's cells in the amniotic fluid are then tested in a laboratory for chromosomal abnormalities or certain hereditary diseases. You will be reimbursed the cost of this test from basic insurance, provided that the conditions laid down in the Health Insurance Benefits Ordinance (HIBO) are met. You can obtain more detailed information from your doctor.

Chorionic villus sampling

The placenta is punctured with a needle through the abdominal wall and tissue is withdrawn. The tissue is then tested in a laboratory for chromosomal abnormalities or certain hereditary diseases. You will be reimbursed the cost of this test from basic insurance, provided that the conditions laid down in the Health Insurance Benefits Ordinance (HIBO) are met. You can obtain more detailed information from your doctor.

Non-invasive prenatal testing (NIPT)

This form of test works by analysing the foetal genome (DNA) found in the mother's blood. From 15 July 2015, you will be reimbursed the cost of tests for trisomy 21 (Down's syndrome), 18 (Edwards' syndrome) or 13 (Patau syndrome) from basic insurance, provided that the conditions laid down in the Health Insurance Benefits Ordinance (HIBO) are met. You can obtain more detailed information from your doctor.

If you have taken out PRIMEO supplementary insurance, Helsana pays the NIP test provided it is the Panorama test or Praena test offered by our partner firms Genetica and LifeCodexx and the requirements according to the KLV are not met.

Pregnancy

Basic insurance
Examinations and consultations
Check-ups and ultrasound examinations
  • For a regular pregnancy, you are entitled to seven check-ups carried out by a doctor or six examinations by a midwife.
  • We will also reimburse you for two ultrasound examinations carried out by a doctor.
  • For a high-risk pregnancy, you will receive the costs of all necessary check-ups and ultrasound examinations.
Breastfeeding guidance
  • You receive 3 sessions of breastfeeding guidance from a midwife or specially trained nursing staff. In case of multiple births, you receive up to 2 additional guidance sessions.
  • Breastfeeding guidance replaces the breastfeeding allowance. This was abolished with the 1996 revision of the Health Insurance Act.

SANA
75% up to CHF 500.–

CHF 500 is the total amount payable to cover all preventative treatment measures.

In addition to the pregnancy-related benefits included in the basic insurance, you will 75% of the costs of additional ultrasound examinations up to CHF 500 per calendar year .


Product information:
SANA
COMPLETA
90% up to CHF 750.–

CHF 750 is the total amount payable to cover all preventative treatment measures.

In addition to the pregnancy-related benefits included in the basic insurance, you will 90% of the costs of additional ultrasound examinations up to a maximum of CHF 750 per calendar year .


Product information:
COMPLETA