Whether you are thinking about trying for a baby or you already have your positive pregnancy test in front of you, becoming a parent is a time of joy, but there are also things you need to think about. That is why it is all the more important that you think about the insurance you will need early on.
Your basic insurance already contains some benefits related to pregnancy and maternity. ÖKK PARENTS supplementary insurance contains a wealth of valuable extras.
Before the birth
Planning a pregnancy
Are you trying for a child? Then you should think about insurance at an early stage so as to avoid gaps in your cover. It is still possible to change the level of benefits, for example a semi-private or private room, once you are already pregnant. However, this then only covers benefits as a result of illness or accident, but due to the qualifying period, not benefits related to pregnancy and maternity.
When taking out supplementary insurance in relation to pregnancy and maternity – at ÖKK this is ÖKK PARENTS – a qualifying period applies. This means that you can only claim benefits after a certain period of time. The start of the qualifying period depends on (a) whether you already had a supplementary policy for pregnancy and maternity with another insurer or (b) whether you have never had such a supplementary insurance policy. The process is the same whether you already had a similar product with another insurer (a) or would like to take out such a supplementary insurance policy for the first time (b): You complete a normal application for ÖKK PARENTS. We check the application and if everything is fine, we send you the insurance contract. You sign this and then we send you the confirmation of acceptance. In case (a), the qualifying period (360 days) runs from the date of the confirmation of acceptance. In case (b), the qualifying period (360 days) does not start until when your new insurance contract begins. If you are switching to ÖKK PARENTS from the previous product ÖKK FAMILY, there is no qualifying period.
Check-ups
During a normal pregnancy, your basic insurance covers a total of seven medical check-ups and two ultrasound scans. An amniotic fluid examination is also included for pregnant mothers aged 35 and over. We also cover the costs of your first check-up following the birth. You do not pay a deductible or excess for these maternity benefits which are included under basic insurance. It is important here that your doctor includes the reference “maternity” on your bills. Furthermore, women past their 13th week of pregnancy and up to eight weeks after the birth do not have to contribute towards the costs of medical benefits and care services in the case of illness.
Antenatal courses
If you have your basic insurance with ÖKK, a contribution of CHF 150 is included towards the costs of an antenatal course with a recognised midwife. You also receive an additional CHF 200 from ÖKK PARENTS supplementary insurance.
Prenatal registration
Because even though it is the last thing you want to consider, unfortunately not every child is born healthy. By registering your child before they are born, they are guaranteed to be accepted into the following supplementary insurance policies without having to complete health questions, which could lead to a benefit restriction:
- ÖKK START
Start module - ÖKK SMILE
Dental treatments - ÖKK NATURE MINI or MIDI
Glasses and alternative medicine - ÖKK PREVENTION
Health protection and promotion - ÖKK HOSPITAL PRIVATE ACCIDENT
Private ward in case of accident worldwide - ÖKK RISK CAPITAL ACCIDENT or ILLNESS
Financial protection in the case of disability or death
Your child will be unconditionally accepted up to one month after birth and the insurance applies retroactively from the date of birth. This makes sure that your baby has the best insurance cover before they are even born and that they are unconditionally accepted into the supplementary insurance policies.
After the birth, you have three months to register your baby with a health insurer. However, we recommend that you insure your unborn child several months before the birth.
Back at home
Domestic assistance
If your baby is born in hospital and you then need support back at home, ÖKK contributes towards the costs of medically prescribed domestic assistance. If you are insured with ÖKK PARENTS supplementary insurance, you receive CHF 60 per day, up to a maximum of CHF 600. Following a home birth or outpatient birth, this amount is CHF 60 per day, up to a maximum of CHF 840.
Nursing allowance (breastfeeding)
If you are insured with ÖKK PARENTS supplementary insurance, ÖKK pays you a nursing allowance of CHF 150 after a period of ten weeks’ breastfeeding. To receive the nursing allowance, you have to complete a nursing allowance form and have it confirmed by your doctor, midwife or maternity advisor. You can download the nursing allowance form.
Your basic insurance covers the costs of three breastfeeding consultations. If you wish to rent or buy a breast pump, you are reimbursed the tariffs as set out in law (Mittel- und Gegenständeliste des Bundesamtes für Gesundheit - German, French, Italian only).
Family discount
Children up to 18 years of age receive a 50% discount on the following supplementary insurance policies:
ÖKK HOSPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL)
ÖKK NATURE (MINI, MIDI, PLUS)
The discount decreases to 20% for young adults between the ages of 19 and 25.
Requirements: At least one parent and the child take out ÖKK BASIS basic insurance, the ÖKK START supplementary insurance policy and one of the above-mentioned policies with ÖKK.
Overview of ÖKK benefits for pregnancy and maternity
You do not contribute any costs towards maternity benefits – i.e. no deductible and no excess. By contrast, complications from the first to the end of the twelfth week of pregnancy are considered illnesses, which is why the usual cost contributions apply during this period. From the 13th week of pregnancy until eight weeks after the birth, you do not have to contribute towards the costs of treatment in the case of complications or illness.
Benefits | Basic insurance | ÖKK START | ÖKK PARENTS |
---|---|---|---|
Check-ups | Normal pregnancy: Seven check-ups with two ultrasound scans and laboratory analyses, first check-up following birth. Risky pregnancy: Frequency of check-ups decided at clinical discretion. | - | - |
Medication, resources and objects (Alternative medical treatments and natural remedies provided you have concluded ÖKK NATURE) | Covered from the 13th week of pregnancy according to statutory obligation | Optional medications: 90%, up to CHF 20,000 per calendar year | - |
Antenatal and postnatal courses | CHF 150, only for antenatal courses with midwives | - | Additional CHF 200 per pregnancy |
Birth in hospital or birth house | General ward in a contractual hospital or recognised birth house that is listed on the hospital list in the canton of residence. No free choice of doctor. The baby staying in hospital together with the mother is covered by the mother’s health insurance, also with no deductible, excess or contribution towards the costs of the hospital stay. However, if the newborn requires hospital treatment as a result of illness, the health insurance of the child pays and the cost contribution from the excess applies. | General ward anywhere in Switzerland. No free choice of doctor. | - |
Birth in a recognised birth house not on a cantonal hospital list | - | - | 90%, up to CHF 1,000 per birth |
Family room for birth in a hospital (list or contractual hospital) | - | - | CHF 200 per day |
Rooming-in (bringing/accompanying child overnight, up to 12 years of age) | - | - | CHF 150 per day |
Domestic help following hospital birth (medically prescribed) | - | CHF 40 per day, up to CHF 400 per calendar year | CHF 60 per day, up to CHF 600 per calendar year (in addition to benefits from ÖKK START) |
Domestic help following home birth or outpatient birth (medically prescribed) | - | CHF 40 per day, up to CHF 400 per calendar year | CHF 60 per day, up to CHF 840 per calendar year (in addition to benefits from ÖKK START) |
Follow-up care from midwife | In the first 56 days following birth. After premature birth, multiple birth, first-time birth and C-section: maximum 16 home visits. In all other cases: maximum 10 home visits. | - | - |
Nursing consultations | Three nursing consultations | - | - |
Nursing allowance (breastfeeding) | - | - | CHF 150 per child |
The General Insurance Conditions of ÖKK LIVE apply with respect to the payment of benefits.