Insurance for newborns

Protect your baby from the moment they arrive

Even before your baby is born, you’re already doing all you can to protect them: adjusting your diet and habits, going for check-ups at the gynaecologist, and making your home as cosy as possible for the new arrival. You can also start planning for your baby’s healthcare and benefit from all the advantages of prenatal insurance.

Learn how and when to insure your baby to guarantee they have the best health coverage from the moment they arrive.

How do I insure my baby?

Basic health insurance is mandatory for all Swiss residents, including newborn babies. If you haven’t already found a policy during pregnancy, you will need to do so before the baby is three months old.

Although supplemental health insurance is optional, it allows you to cover specific maternity needs, including:

  • Osteopathy sessions to help recover after childbirth.
  • Physiotherapy sessions, which some parents find helpful for babies with colic.
  • A single room in a private ward for you and your baby in the event of a hospital stay.
  • Your choice of doctor, clinic or specialist if there are any health problems.
  • Healthcare coverage abroad for your holidays.

The advantages of prenatal insurance

Prenatal insurance allows you to take out mandatory and supplemental health insurance for your child before they are born. You can choose from the entire range of policies on offer – just as you would for a child that has already been born – and enjoy exclusive benefits, including:

  • No premiums to pay before the baby is born.
  • No health questionnaire to complete when taking out supplemental insurance.
  • No risk of being refused supplemental insurance, even in the event of congenital disorders or muscle weakness at birth.

Which health insurance should I choose for my baby?

  • Choose a basic health insurance model (either the standard model or an alternative model, which we recommend to save money on your premiums).
  • Include accident coverage.
  • Complement the coverage based on your needs by adding one or more supplemental insurance plans.
  • This will guarantee your child receives the best care possible.

Advantages of health insurance for children at Groupe Mutuel

  • The lowest premiums on the market in some Swiss cantons.
  • 24-hour telemedicine hotline
  • Customer app and user area to manage you and your child’s insurance.
  • Supplemental insurance specially designed for children

Calculate my future child’s premium

Find the prenatal insurance that matches your needs and your family’s budget.

Learn about basic health insurance models for your baby

Basic health insurance

Compulsory basic health insurance includes benefits stipulated under the LAMal/KVG in case of ill health, pregnancy and childbirth or an accident.

Choose the standard model or an alternative model that offers a lower premium in exchange for following certain rules.

Read more

Please do not hesitate to ask one of our advisers
to help you choose your supplemental insurance plan

Supplemental insurance allows you to cover your needs when they are not or only partially covered by the basic health insurance. Discover our range of supplemental insurance solutions and find the coverage that suits your lifestyle.


Protect your baby from the moment they arrive

Discover our guide and learn all about prenatal insurance and providing for your child’s future.

Groupe Mutuel

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