Rahel's first pregnancy
It's not exactly unplanned. Nevertheless, Rahel is over the moon when her pregnancy test turns out to be positive.
An initial appointment with a gynaecologist is arranged for a few weeks later and she confirms that Rahel is indeed pregnant. She talks through the next steps with Rahel and gives her some relevant material to read. As soon as Rahel gets home, she takes time to read everything through.
Rahel wonders what benefits her health insurance covers when it comes to check-ups and birth preparation. She decides to call SWICA's customer service desk. The advisor tells her about the benefits that are available for birth preparation, support and aftercare under basic insurance and which benefits are covered by SWICA's supplementary insurance plans. She also explains to Rahel how important it is to register the baby with SWICA before the birth. In this way, parents enjoy the best benefits for their baby in the event of unexpected events during and after the birth.
Rahel is glad that she has done everything right with regard to the COMPLETA TOP and COMPLETA PRAEVENTA supplementary insurance plans, especially in terms of preparatory courses and alternative therapy methods.
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Benefits before and after birth
But even after the birth, Rahel and her baby can access numerous services including baby massage, baby swimming, postnatal exercises, pelvic floor exercises and three breastfeeding consultations. Rahel is also rewarded for breastfeeding her baby for a prolonged period. Rahel can contact santé24 if she has any questions about children’s vaccinations. She can also make an appointment to see a paediatrician for a free consultation.
Did you know that?
Breastfeeding brings numerous health benefits and intensifies the bond between mother and child. Studies have shown that breast milk contains all the nutrients that babies need in the first four to six months. In addition, breast milk strengthens the immune system and reduces the risk of a range of illnesses – for both the child and the mother. Under the COMPLETA TOP supplementary insurance plan SWICA pays out CHF 200.– if breastfeeding is sustained for at least 10 weeks.
Whether it's heavy legs or stomach pains, santé24 is there for you 24 hours a day
One Sunday, Rahel becomes anxious about a slight pain in her abdomen. So she calls the santé24 telemedicine service. The medical health adviser asks Rahel detailed questions about the symptoms and arranges for a doctor to call her back. The callback comes through a short time later. The santé24 doctor asks Rahel more specific questions. It turns out that the symptoms indicate a simple stomach upset, which means that Rahel can relax. The doctor recommends a herbal medicine that is safe for Rahel to take during pregnancy and arranges to call back to see how the symptoms develop. The next day Rahel is back to normal. Rahel can use the herbal remedy again during the pregnancy if she has an upset stomach.
A few days before the baby is due to be born, Rahel goes into labour and alerts the hospital. Finally the time has come, and after a few hours her son comes into the world.
The doctors and medical specialists at santé24 are available 24 hours a day to provide advice on all questions relating to maternity, prevention and health and can also arrange appointments about vaccinations for children.
Vaccination advice by phone
Vaccination is a simple and extremely efficient way of preventing infection. But at what age should a child be vaccinated? And which vaccinations? Make an appointment and let santé24 advise you by phone.
Medical advice and reference book – find the information you need quickly and reliably with BENECURA
The top priority for Rahel and her husband is their son’s safety. Their son becomes fretful and develops a temperature when his first tooth begins to come through. Rahel remembers the SymptomCheck feature in the BENECURA app. She quickly gets out her smartphone and opens the app. However, since children's symptoms can be hard to specify and their condition can change rapidly, santé24 has set up a hotline for parents. Rahel finds the parent hotline under "Important numbers". She is relieved to discover this hotline where she can get advice whenever she needs it.
More about BENECURA
And she's happy that baby smiles are also covered under the COMPLETA TOP and DENTA supplementary insurance plans for orthodontic and dental treatment. In order to ensure that her son continues to feel secure when he is older and independent, she opts for HOSPITA PLUS. This gives her son the option of switching to semi-private or private hospitalisation insurance until he reaches the age of 40 – without any need for a health check.
Would you like to find out more? Our 24-hour customer service team would be happy to advise you personally and without obligation.
SWICA supports you and your child
Family life has got off to a good start. The health promotion and preventive healthcare services supported by SWICA – like baby massage, postnatal exercises and breastfeeding advice – have helped this young family to get off on the right foot together.
If Rahel has questions about other benefits, she can contact SWICA's customer service team at any time. One year later, for example, her husband has an accident at work and has to stay in hospital for a prolonged period. The advisor organises a home nanny who takes care of Rahel’s son while Rahel visits her husband in hospital.
Home Nanny service
The personal care service for your child in the event of illness or accident.
Maternity benefits at a glance
SWICA contributes towards the cost of baby massage, homeopathy and Bach flower therapy. SWICA also contributes towards the cost of non-standard vaccinations. In addition, you receive a breastfeeding voucher to the value of 200 francs.
Maternity involves numerous examinations both before and after the birth. To ensure that mother and child receive comprehensive care and are financially secure, there are no co-payments for maternity benefits.
- Antenatal courses (CHF 150 towards group courses delivered by a midwife)
- 7 antenatal checkups
- 2 ultrasound examinations
- 1 postnatal checkup
- 3 sessions in which midwives or other specially trained staff provide breastfeeding advice
- For high-risk pregnancies, the interval between examinations is based on clinical need.
The COMPLETA TOP and COMPLETA offer more extensive, comprehensive benefits in the context of antenatal preparation, support and aftercare:
- CHF 200 breastfeeding allowance per child
- In-depth breastfeeding advice if desired or required (e.g. in the event of breastfeeding problems)
- Complementary treatment to help with pregnancy, such as acupuncture for morning sickness or pain, pregnancy massages for back pain. If administered by recognised doctors and therapists without a rate agreement, SWICA pays up to CHF 80 per hour.
- Learning postnatal exercises as well as the hypnobirthing method to ease the pain during childbirth, etc. In the case of recognised health promotion services relating to paternity, SWICA covers up to CHF 600* per year, depending on your supplementary insurance plan.
- Prescribed medicines within the indication
- Special and medically prescribed vaccinations for the child: 90% of the costs, up to CHF 200 per year
*SWICA covers 50% of the costs from your COMPLETA PRAEVENTA supplementary plan, up to 300 francs per calendar year. Furthermore, your OPTIMA supplementary plan covers 90% of the costs exceeding this amount, up to 300 francs per calendar year. This can result in prevention contributions of up to 600 francs per year.
Mums before and after pregnancy – and soon-to-be fathers – can benefit from the wide range of courses in which applications for the baby can be learnt.
Courses for mothers
- Pregnancy exercises*
- Antenatal preparation*
- Post-natal exercises*
Courses for mothers and fathers
- Baby massage
- Homeopathy and Bach flowers for self-application
- Wraps and compresses
SWICA contributes 50% of the costs up to 500 francs per year (up to 300 francs per type of activity) from the COMPLETA PRAEVENTA supplementary insurance plan and 90% of the costs exceeding this amount up to 300 francs per year from OPTIMA towards health-related services provided by SWICA-recognised providers.
Overview of health promotion and preventive healthcare offering
* with SWICA-recognised course leaders
SWICA supports your baby's development right from the start.
- Special / prescribed vaccinations
- Baby swimming
HOSPITA PLUS enables your child to switch to semi-private or private hospitalisation insurance at any time up to the age of 40 without the need for a medical examination.
santé24 – your Swiss telemedicine service
Medical help around the clock: The doctors and medical specialists at santé24 are there to offer you expert advice on all questions relating to prevention, illness, accident and maternity – in four languages, around the clock, 365 days a year.
Perhaps your child is ill or recovering from an accident and you have no one to look after it for you? The Home Nanny service would be delighted to step in and help. It offers professional care for children and takes the pressure off parents because they know their child is in good hands.