Health insurance and children

Costs of pregnancy and childbirth
Your basic insurance covers some costs around delivery namely:

-Obstetric care: help and support during pregnancy and the birth of a doctor, midwife or obstetrician
-The cost of hospital stays and maternity care where there is a birth in the hospital on medical grounds
-Maternity Support: duration varies depending on conditions between 24 and 80 hours, there is an excess insurance.

Reimbursements through supplementary insurance, depending on the coverage:

-An outpatient delivery of non-medical grounds;
-Maternity Package;
-Additional maternity care;
-Reimbursement of personal contribution for maternity care

Child covered for free
Children under 18 years are insured free of charge on the basic insurance. No premium is payable and there will be no deductible for children retained. Often the same applies to the additional insurance. Usually the children have the same right to free additional insurance without a premium due. Most insurers provide coverage, however, that the lowest of the additional insurance of the parents apply for the child. In addition, your child should be as soon as possible after birth written on your health insurance, most insurers have developed a certain period included in the conditions.

Choice for supplementary insurance
Many people have related to the cost chosen for a limited supplemental insurance that meets the requirements adopted in the closing moment of the insurance had. Where you as an adult soon satisfied with a compensation for the basic care may change when children come into play. Most parents will, if their child falls ill unexpectedly, offer all possible medical aid. The coverage of your supplementary insurance choice given the right to reimbursement for treatment for your child. This could include alternative therapies but there should also be considered a fee for orthodontic treatment (braces) or cosmetic surgery to correct protruding ears for example. It is good to look again at the benefits you are entitled to your supplementary insurance because your wishes in respect of such insurance may change drastically when there are children involved.

Children and reimbursement of dental
Where the adult dental entirely excluded on the basic insurance and a separate dental insurance can exclude the cost of dental care for children under 18 years are covered in the basic insurance. To do this you will not have a separate additional insurance, the costs are usually 100% reimbursed.