Babies have specific needs – not least where insurance cover is concerned. In addition to basic insurance, the Baby Package includes key supplementary insurance and offers comprehensive cover in case of illness and accident.
With the Baby Package, you enjoy the following benefits and advantages:
Our HOSPITAL ECO supplementary hospital insurance gives you a free choice of hospitals throughout Switzerland. It covers the hospital costs that basic insurance does not cover for out-of-canton treatments during a stay in the general ward.
With COMPLETA supplementary insurance, you receive coverage for remedies and therapy methods provided by complementary medicine, such as osteopathy, kinesiology and Bach flower remedies.
Thanks to the global coverage abroad from COMPLETA supplementary insurance, you can travel to other countries with your baby without worry. We pay the costs for outpatient and inpatient emergency treatments, transportation and rescue as well as repatriation to Switzerland.
The civil and motorists' legal expenses cover under our Helsana Advocare PLUS legal expenses insurance is the optimal supplement to the legal expenses cover in health matters and travel abroad under COMPLETA supplementary insurance. Advocare PLUS is moreover free for children up to the age of 18.
The purpose of prenatal registration is to enable you to insure your newborn baby optimally from the very first moment with supplementary insurance, easily and without a risk assessment. Prenatal registration means that even children who come into the world with complications have comprehensive insurance cover.
If, on the other hand, registration only takes place after the birth, a risk assessment will first have to be made for any supplementary insurance. In case of an existing condition, there is a risk of rejection.
The hospital insurance included in the Baby Package for the general ward with a choice of hospitals in Switzerland (HOSPITAL ECO) can be taken out before birth without a medical examination.
You can apply for semi-private (HOSPITAL Semi-Private) or private (HOSPITAL Private) hospital insurance only after the child is born. To do this, you complete a questionnaire on your baby's state of health. After our specialists have checked it, we will notify you whether your application has been accepted or rejected.
In the case of prenatal registration, you do not have to complete a medical examination. We guarantee that we will include your baby in all desired supplementary insurance within the Baby Package.
However, you must wait until after the birth to apply for supplementary insurance that is not included in the Baby Package. To do this, you must complete a questionnaire on your baby's state of health. After a specialist has checked it, we will notify you whether your application has been accepted or rejected.
Of course, you can insure only your baby with us and keep your own health insurance with another provider.
However, if you also insure other family members, you benefit from an attractive family discount on your supplementary insurance. Therefore, we would be pleased to provide you with a non-binding family offer that incorporates all discounts and savings options.
Already when two or more people live in the same household, they receive a 5% family discount on their supplementary insurance policies. From three persons onwards, the discount is 10%. Even your baby will also benefit from the family discount if you include them in your family policy.
In addition the third and every further child under 18 years of age receives a 90% discount on the childrens’ premium for basic insurance. This under the provision that at least two other underage children are covered by the same basic insurance policy.
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