For CNS-insured parents, a hospital birth in a standard room is essentially covered. What you may pay yourself depends mostly on the comfort options you choose.
What the CNS covers:
– Hospital care and your stay in a standard (second-class) room are covered in full. The hospital sends this invoice straight to the CNS.
– The daily contribution that adults normally pay for a hospital stay does not apply to the first 12 days of a hospital stay for childbirth.
– Doctors’ fees during the stay (gynaecologist, anaesthetist, paediatrician) are covered at 100% of the official CNS rates. Each doctor bills separately: either you pay and claim the money back, or the doctor bills the CNS directly.
What can be extra:
– A single room (“first class”): the hospital charges a daily room supplement, and the doctors involved may add 66% to their official fees. The CNS reimburses neither. If you need a single room for medical reasons, the 66% surcharge cannot be applied.
– Comfort services such as phone, TV or internet.
– Personal convenience fees during your pregnancy follow-up, for example for an appointment at a specific time you asked for. Your doctor must tell you in advance and get your agreement, and these fees are not reimbursed.
Supplementary insurance may cover first-class supplements, depending on its own rules, so check your policy before you choose a room. The hospital informs you of the financial conditions of your stay, so ask your maternity for its current room prices when you register.