Tip: Check your hospitalisation insurance well in advance

Being pregnant and giving birth doesn’t come cheap. As well the expense of cute new baby clothes, a cot and mountains of nappies, you are also faced with all kinds of medical costs. 

Hospitalisation insurance

The majority of medical costs are reimbursed by your mandatory health insurance. But this doesn't cover everything. Hospitalisation insurance can help to cover any additional costs. Request the terms of your insurance policy from your health insurance fund or your employer. 

Please note: if you take out insurance during your pregnancy, there's a chance that not all costs associated with the birth are covered.  

After the birth, your newborn baby may automatically be covered under your hospitalisation insurance if you have been insured for a long enough time. Notify your health insurance company about the birth of your baby and request well in advance for your child to be included in your policy.