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Baby insurance

Baby on the way? Insure them with confidence

Registration is mandatory before 3 months. We handle the checklist with you — for free.

Legal deadline · 3 months after birth
Free checklist

Get help insuring your baby

Leave your details: a Tigura advisor helps you insure your baby on time, free and with no obligation.

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Baby on the way? Insure them with confidence

Give your baby the right start

From birth, your child must be insured. Tigura handles everything — basic insurance and the right supplementals — so you can focus on what matters: your baby.

  1. 1

    Before birth

    · Last 2-3 months of pregnancy

    • Subscribe supplementals

      Before birth — no health questionnaire required for the baby.

    • Review household & family liability

      An extra person in the household changes your contracts.

    • Update beneficiaries

      3rd pillar, life insurance: add your child.

  2. 2

    At birth

    · Day one and first days

    • Request the AVS number

      From your canton's compensation fund.

    • Notify your employer

      Triggers family allowances (200 CHF / month minimum).

  3. 3

    0–3 months

    · Hard legal deadline Critical

    • Register baby with a LAMal insurer

      Mandatory before age 3 months. Retroactive coverage from birth.

    • Activate supplementals

      So they run from day one.

  4. 4

    First year

    · You can breathe — a few optimisations

    • Check subsidy eligibility

      Based on income, premiums partly covered by your canton.

    • Plan parental leave

      Maternity (14 weeks), paternity (2 weeks) — coordinate with employer.

    • Family protection review

      We meet again: new household = new needs.

They trust us

“Our baby was insured before the deadline, stress-free.”
New parents, Geneva
“They saved us from default assignment and advised the right supplementals.”
Family, Aargau
“All sorted during maternity leave — such a relief.”
Mother, Vaud

Representative of typical client situations. Illustrative, non-nominative profiles and wording.

Frequently asked questions

Clear answers to the questions we hear most often.

When must I insure my baby?
Enrolment in basic insurance (LAMal) is mandatory within 3 months of birth, with coverage backdated to the day of birth.
Why take out supplementals before birth?
Before birth, some supplementals are accepted without a health questionnaire for the baby. Afterwards, a health issue can complicate or prevent admission.
Can the baby have a different insurer than the parents?
Yes. You can choose the most advantageous insurer for the child, independently of yours.
Are there subsidies for children's premiums?
Yes, depending on household income and canton, premiums may be partly covered. We check your eligibility.
Do you handle the paperwork?
Yes, we manage the full checklist (basic, supplementals, AHV/AVS, notifications) with you, free of charge.

Ready to take stock?

A 30-minute review, zero commitment. You leave with a written report and a clear plan.

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