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Health insurance covers the cost of follow-up check-ups during pregnancy, birth, post-natal care and breastfeeding advice. You do not have to pay any part of the costs – there is no deductible, retention fee or hospital fee. Your health insurer covers the cost of giving birth in hospital, at a birthing centre or at home. Paid follow-up check-ups include two ultrasound scans for a normal pregrancy as well as first-trimester screening to test for the risk of trisomies 21, 18 and 13 and non-invasive prenatal testing (NIPT) if the risk of trisomy is high. If this is the case, the costs of an amniotic fluid analysis and chorion villus sampling (test for inherited disorders) are covered. Depending on the clinical evaluation, the cost of the examinations may also be met.
Your health insurance fully covers the cost of your baby’s and your stay in hospital – there is no deductible, retention fee or hospital fee. However, if your baby requires hospital treatment due to illness, this is covered by the baby’s insurance, and you have to contribute to the costs (retention fee).