Which is the best Pre-birth Insurance offer?

Now that we've chosen together the basic system (LAMal) which is best adapted to your kid, we will observe Maintenant que nous avons choisi ensemble le systth de base LAMal qui conviendra le mieux à votre enfant, nous allons observer les solutions qui sont généralement incluses dans les offres babypackage.

Complementary insurance of cares (risk type)

The medical benefits covered by the basic insurance (LAMal) are often not adapted nor complete to cover your child. The goal is to protect them to the maximum, and to expand the benefits that can be reimbursed. Most of the health insurance compagnies propose complementary care insurance products, with the goal to fulfill the gaps of the basic insurance. For the young kids, interesting offers called Baby Packages are proposed.

Complementary cares insurance covers in general

  • Unlisted medicaments

  • Abroad protection

  • Ambulance transports

  • Glasses and contact lenses

  • Medical material leasing
  • Auxiliary means

  • Non-medical psychotherapy

  • Coverage in all of Switzerland

  • Orthodontic traitements

  • Medical juridical protection

These are the basic coverages, that are generally combined with complementaries of alternative cares.

The future of your child begins here !



Natural care complementaries

  • Complementary natural medecine

  • Prevention, check-ups, exams, analysis, etc.

  • Vaccines

  • Nutrition

  • Medical material leasing
  • Baby swimmer

  • Allergies

  • Baby massage

  • Development troubles

  • Protruding ears

The future of your child begins here !



Acces to private clinics and free choice of your doctor

  • Free choice of the specialist

  • Free choice of the private clinic

  • Acces to better cares

The 1/2 private or private insurance, for kids. The goal isn't only to offer the best comfort to your child, but also to be able to accompany him and sleep-in if he had to be hospitalized.

The principal is the power of choosing the specialist, the surgeon. Since you're child is covered in private insurance, this allows you to inquire and find the best surgeon in Switzerland and have him perform the surgery. This complementary is primary and offers an absolute security.

Moreover, the service in the emergency rooms at the public hospital makes you wait for hours before being treated. Thanks to the 1/2 private or private coverage, you can go to the emergency service of one of the closest clinics and enjoy a faster access.

The future of your child begins here !




Dental insurance and orthodontics

These two dental coverages need to be differentiated, since often they are not included together. Orthodontics are mostly included with the complementary cares insurance.

Dental care insurance is generally optional.

These insurances are proposed on all baby packages. Two options are offered to you. Either you cover and pay for dental insurance even though your baby has no teeth yet, or start this insurance later.


  • Dental care (caries, dental hygiene, controls and treatments)

  • Orthodontics (dental rings, dental apparel)

If you opt for the second option, thus starting these insurances later, it's financially-wise of you. But be careful nonetheless; between the age of 3 or 5, depending on the insurance company, a dental survey will be asked, which wasn't the case before. If your child has predispositions on problems or treatements in that moment, the insurance can be refused.

To sum, either you pay from his birth and conclude this insurance in pre-birth, in order to not take any risks. Or you add it later, but do not forget to do it before the dental survey is demanded. Being insured via monbebemavie.ch specialists, you will be followed and advised ant reminders are set in order to not leave any room for mistakes. You'll be certain to offer the best to your child.

The future of your child begins here !



Les capitaux invalidités accident et maladie

Comme expliqué dans notre article sur la Protection de l'enfant, les éventualités d'une invalidité de votre bébé, de votre enfant, est très dure à s'imaginer. Cependant c'est une réalité et 29% des invalidités concernent les enfants .

C'est une option que nous recommandons et pourrons mettre en place facilement.

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Specialists of monbebemavie.ch they analysed the best Pre-birth Insurance offers of the 9 biggest health insurance companies in Switzerland and present you the results in a personnalised way.

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