Hello everyone, not to create new thread for the same topic, I will ask all my questions here.
Our baby boy was just born this week, a few weeks earlier than anticipated, so I did not subscribe him in to pre natale insurance in time. (Rookie Papa)
Now my insurance broker from Swiss life and Health Insurance which I use for myself and my wife Assura all jumped on me, to insure the baby as fast as it is possible (the lady from Assura even arrived on Saturday evening with documents to sign - which I find a bit too aggressive) with full possible options arriving at ridiculous amounts of 170 CHF - 200 CHF per month of premiums.
It is my first child and to be honest I am trying to pretend that I know what I am doing when in reality I have no clue =))
Can you please share which insurances do you use, (from what I read and the price comparison KPT seems quite good for kids) and what supplemental insurance parts you really use?
Here are my thoughts on below, please share your opinions and judgements:
Franchise 0 - its a no brainer for me at least for first few years.
Free choice if hospitals around Switzerland - does not sell to me as we live in Vaud (so LAMAL will cover all hospitals here) which have CHUV and it is considered top level hospital in the world ranking, so I doubt that there will be a case where they will have to send my kid anywhere else as CHUV can not deal with the problem.
Dental coverage - I agree that it is beneficial to have it before 3 years old to avoid health questioner, but this means i can avoid paying the premiums for the next 2 years 11 month and still enjoy automatic acceptance. @1000000CHF I am in exactly the same situation as you are, after 3 years from your comment did you subscribe to the dental insurance for your kid or you still using all benefits of dual residency? =))
Semi-private and private hospital ward insurance are not usually worth getting for your baby, because Swiss hospitals rarely offer special accommodation for babies. Also after the experience of labor for my wife having just LAMAL with 0 supplemental issuance, I can not imagine what more a person can ask for. The food, room and doctors were state of the art and I just paid 150 CHF on top for getting a private room for her.
Lastly - we are traveling a lot, so the world wide coverage is the only one which makes sense for me after briefly searching on internet and looking at the paper leaflets of Assura with 0 actual experience on the matter.
Please shoot all your thoughts and criticism.
10000000000 thanks in advance