LAMal enrolment
Every newborn must be enrolled in LAMal within 3 months. You can pick a different insurer than parents. Compare HMO/Telmed/family doctor models — 20-40% savings.
Prenatal LCA before 12th week
For private-room hospital LCA, dental, alt medicine — enrol BEFORE the 12th week. After, most insurers refuse or apply 5-year medical reserves. Polia advises from week 8.
What else to review
Risk-life: protect spouse on death. 5x annual income. CHF 30-80/month at 30-40. Family 3a: open in active spouse name. Child allowance CHF 200-400/month by canton.
Prêt à passer à l'action ?
Lancez votre comparatif Health insurance personnalisé maintenant. 100% gratuit, sans démarchage, vous restez maître du processus.