Prenatal registration
Register your child for health insurance during pregnancy – with no health questions and full cover from the very first minute. Even in the event of premature birth or complications.
Why now?
Some insurers offer selected supplementary insurance plans before birth without a health check. This means your baby is accepted without exclusions – regardless of how the birth goes. This is exactly where alletta helps: we know which insurer offers what and when.
If your child is born prematurely or with health challenges, they are still fully insured – including under the supplementary insurance plans you have chosen.
Registration is completed before your baby arrives. After the birth, you only need to provide the name and date of birth — more time for what really matters.
The two pillars
Mandatory for every child in Switzerland
Early planning really pays off here.
From a temporal perspective
Day 1
0 – 12 months
1–5 years
Ages 5 and upPregnancy & Birth
In a normal birth, the mother's health insurance covers the hospital stay for both mother and child. If your baby needs separate treatment, the baby's insurance covers it. And even after the birth, the mother's health insurance provides a lot of support — from midwives and breastfeeding support to postpartum recovery classes.
View all detailsProvider comparison
More information about supplementary insurance in the Knowledge Center →
To make it easier for you to compare the offers of the individual health insurance companies, we have bundled them into three product packages — for better understanding and comparability.
The essentials
Well secured
Protected as best as possible
Why orthodontics is so important — and why now. Braces and jaw corrections can quickly cost between CHF 5,000 and CHF 15,000. If you only insure your child after birth, you must expect a health check — and risk having orthodontic services excluded by the insurer. Registering before birth and being accepted without a health check eliminates this risk. Orthodontic services are included in certain levels of outpatient supplemental insurance and dental insurance — but not in supplemental hospital insurance. The cards below show you for each insurer and level whether and to what extent orthodontic treatment can be covered prenatally without a health check.
No health check required
With limitations
Not available prenatally
Available without a health check: outpatient & hospital
Basic — Not recommended – no orthodontics
Medium — No health check – orthodontics 50% up to CHF 12,000
Comfort — Not available prenatally
Basic — No health check
Medium — No health check
Comfort — Not available prenatally
Basic — Not available prenatally
Medium — Not available prenatally
Comfort — Not available prenatally
Recommendation: Secure Outpatient Medium + Hospital Basic/Medium prenatally. Supplement with dental care after birth.
Available without a health check: outpatient, hospital & dental
Basic — No health check – orthodontics 75% up to CHF 10,000
Medium — No health check – orthodontics 75% up to CHF 10,000
Comfort — No health check – orthodontics 75% up to CHF 10,000
Basic — No health check
Medium — Check after birth – if declined: Basic
Comfort — Check after birth – if declined: Basic
Basic — No health check – orthodontics 75% up to CHF 300
Medium — No health check – orthodontics 75% up to CHF 2,000
Comfort — No health check – orthodontics 75% up to CHF 3,000
Recommendation: Outpatient (all levels) + complete prenatal dental care without examination. Secure basic hospital care, apply for Medium/Comfort after birth.
Available without a health check: outpatient, hospital & dental
Basic — Not available prenatally – no orthodontics
Medium — No health check – add dental care for orthodontics
Comfort — Not available prenatally – no orthodontics
Basic — No health check
Medium — Subsequent health check required
Comfort — Subsequent health check required
Basic — Health check required – orthodontics 50% up to CHF 500
Medium — Health check required – orthodontics 75% up to CHF 1,500
Comfort — No health check – orthodontics 75% unlimited
Recommendation: Outpatient Medium + Hospital Basic + Dental Care Comfort prenatally without examination. Hospital Medium/Comfort can be applied for retroactively.
No health check required
The baby will be accepted without reservation, regardless of how the birth goes.
With limitations
Without orthodontic services, or a condition must be met (e.g., parent has prior insurance)
Not available prenatally
Only available after birth and with a health check via alletta.
And the rest of the family?
As a new family member, your child has no existing insurance policy that would need to be cancelled. You can register your child with a health insurance company at any time — even before the birth. The insurance will then automatically begin on the day of birth, even with a different health insurance company than your own.
For those already insured under basic and supplementary insurance plans, switching is only possible on January 1st (cancellation deadline: end of November). Pay attention to multi-year contracts for supplementary insurance. This is especially important for mothers planning further children: waiting periods of 9–12 months for maternity benefits are common — switching shortly before another pregnancy can therefore be disadvantageous.
Because you're advising yourself, we'll pass on a portion of our commission to you — up to CHF 300 per supplementary insurance policy purchased. Learn more about the cashback mechanism →
Still questions?
For basic insurance you have up to 3 months after the birth — coverage then applies retroactively from the day of birth. For supplementary insurance, registering before birth is worthwhile, because acceptance without a health check is usually only possible during pregnancy.
If you registered your baby before the birth, it is fully covered from the first minute — even in the event of a premature birth or complications. This is exactly the biggest advantage of prenatal registration.
Yes, but then the health insurance company can require a health check and refuse or restrict benefits. Before the birth, many funds accept your baby without any check — this is precisely the advantage of registering early.
With many health insurance companies, yes — often without a health check. For semi-private/private packages, certain conditions sometimes apply. Our comparison shows which providers offer which levels prenatally.
No. Your baby can be insured completely independently of you — even with a different health insurance company. You can therefore choose the best offer for your child without switching yourself.
In a normal birth, the mother's health insurance covers the costs of the hospital stay for mother and child. If the baby needs its own medical treatment, the baby's insurance pays for it.
Find the right health insurance for your child in just a few minutes — digital, independent and with cashback of up to CHF 300.
100% digital · independent · FINMA-registered
No health check required 
With limitations 
Not available prenatally 
