I am (soon to be) a parent

What insurance do I need?

Standard health insurance and supplemental insurance for your baby

Do you have children, or is your baby about to be born? Children bring us great happiness, but sometimes also concerns. They are fragile and require various types of care. To ensure they receive good healthcare, it is important to have them well insured against illness, accidents and their consequences. 

Prenatal insurance

You can take out insurance for children of any age. And you can also do so before they are born. This is what prenatal insurance is all about.


  • Automatic insurance: your baby is automatically insured from birth
  • No medical questionnaire required: you do not need to complete a questionnaire; no risk of insurance coverage being turned down.
  • Free of charge: some insurance schemes are free for the first three years of the child’s life
Standard health insurance and supplemental insurance

To make sure your baby or child is well insured, we suggest you

  1. select a standard compulsory insurance model in accordance with the Swiss Federal Law on Health Insurance (LAMal/KVG)
    Our advice:
    - opt for a standard model which offers you greater liberty in terms of benefits and choice of physician
    - opt for the lowest deductible of CHF 0 if you will regularly consult a paediatrician in the first few years.
  2. include accident risk
  3. complete the coverage by adding one or more supplemental insurance schemes, depending on your requirements
Life insurance

We also suggest you take out life insurance for your child or for yourself as the parent. You will thus be providing your child with comprehensive financial cover and savings for its future financial needs.

Discover our recommended supplemental insurance and life insurance schemes for your child.

Life insurance

Groupe Mutuel

Rue des Cèdres 5 Case postale, 1919 Martigny    |    +41 0848.803.111