What to separate from birth
Compulsory basic insurance
The basic insurer must accept the child regardless of age or health, without a reservation, waiting period or health questionnaire.
Retroactive cover and premiums
When enrolment occurs within the legal period, cover and premiums apply retroactively from birth; ask for written confirmation of the recorded date.
Supplementary insurance is separate
Supplementary cover is a separate private contract; the insurer may ask health questions, impose reservations or refuse admission. It is not LAMal basic insurance.
Prepare enrolment without sending health data
Use the actual civil date, select an authorised basic insurer and keep evidence of the application.
Compulsory basic insurance
Start with the relevant document or need. The basic insurer must accept the child regardless of age or health, without a reservation, waiting period or health questionnaire.
Retroactive cover and premiums
Compare only like-for-like items. When enrolment occurs within the legal period, cover and premiums apply retroactively from birth; ask for written confirmation of the recorded date.
Supplementary insurance is separate
Ask for written confirmation when the actual case requires a decision. Supplementary cover is a separate private contract; the insurer may ask health questions, impose reservations or refuse admission. It is not LAMal basic insurance.
Keep evidence
Archive documents, versions, dated dispatches and replies. A tool or comparison request does not suspend a deadline stated in a decision or contract.
Limits to keep in mind
- The calculated reference does not decide the applicable insurance system in an international case, whether a delay is excusable or the legally recognised enrolment date.
- This general information does not replace an authority’s decision, the policy or the insurer’s terms.
- ClairAssur does not guarantee a premium, acceptance, cover, reimbursement or outcome.
- Do not enter a diagnosis, treatment, medical record or any other health data in the comparison form.
Verified Swiss official sources
Each link displays its actual language. English sources are used where available; some official references remain in French, and that fallback is disclosed beside the link.
- FOPH — Insurance requirement and newborn enrolmentOfficial English · Official rules on the three months after birth, retroactive effect, premiums and late enrolment.↗
- FOPH — Premiums and cost sharingOfficial English · Official rules on premiums, deductibles, retention fees and other contributions.↗
- FOPH — Authorised health insurersOfficial French · Official list of authorised social health insurers.↗
- Fedlex — Health Insurance Act (LAMal/KVG, SR 832.10)Official French · Federal statute governing social health insurance; consult the current authentic text.↗