Key points at a glance
This page explains to residents of Waldkirch how supplementary insurance (LCA/VVG) works — the optional top-up to basic insurance for hospital stays (private/semi-private, free choice of doctor), dental treatment, complementary medicine, glasses, maternity or prevention.
In Waldkirch (postal code 9205), a municipality of roughly 3’500 residents in the canton of St. Gallen, one rule stands out: unlike basic insurance, supplementary cover is a FREE market. Benefits, prices and conditions vary widely from one insurer to the next. Compare according to your actual needs — and sign up while young and healthy, because the insurer is allowed to ask health questions. Commuting between Waldkirch and a nearby municipality (Hauptwil-Gottshaus (0 km), Andwil (3 km), Gaiserwald (5 km))? The range of supplementary policies is the same everywhere — your profile sets the price, not your address.
Waldkirch at a glance: your local context
Waldkirch, a municipality of roughly 3’500 residents in the canton of St. Gallen, brings its own local context to "Maternity and birth (supplementary insurance)". Waldkirch lies in premium region 1 of the canton of St. Gallen (FOPH classification). Because even the next municipality may belong to a different region, premiums for the same cover can differ significantly — what matters is always the exact municipality, not the cantonal average.
- Population: roughly 3’500
- Canton: St. Gallen
- Basic-insurance premium region (FOPH/OFSP): region 1
- Postal code (NPA): 9205
- Federal municipality number (BFS): 3444
Maternity and birth (supplementary insurance) around Waldkirch: compare neighbouring municipalities
Around Waldkirch, every neighbouring municipality has its own page on the topic — useful if a move is coming up or if you are weighing several locations:
- Maternity and birth (supplementary insurance) in Hauptwil-Gottshaus — 0.0 km away
- Maternity and birth (supplementary insurance) in Andwil — 2.9 km away
- Maternity and birth (supplementary insurance) in Gaiserwald — 5.2 km away
- Maternity and birth (supplementary insurance) in Bischofszell — 5.3 km away
- Maternity and birth (supplementary insurance) in Häggenschwil — 5.4 km away
- Maternity and birth (supplementary insurance) in Zihlschlacht-Sitterdorf — 5.7 km away
- Maternity and birth (supplementary insurance) in Gossau — 6.1 km away
- Maternity and birth (supplementary insurance) in Muolen — 6.1 km away
- Maternity and birth (supplementary insurance) in Niederbüren — 6.2 km away
- Maternity and birth (supplementary insurance) in Hohentannen — 6.3 km away
Supplementary insurance (LCA) in Waldkirch: what matters
Unlike basic insurance, supplementary cover is a free contractual product: each insurer defines its own benefits, premiums and conditions. Two policies at the same price can cover very differently in Waldkirch — for hospital stays (private/semi-private, free choice of doctor), dental treatment, complementary medicine, glasses or maternity. So compare benefit by benefit against your actual needs, not just on price.
Two ground rules: first, supplementary insurance is not compulsory — it can be signed or cancelled separately from basic insurance. Second, the provider may check your health and set exclusions or decline; those who sign up young and healthy and answer the health questions precisely secure the best terms.
Check before you sign
- Your real priorities: hospital, dental, complementary medicine, glasses, maternity?
- Annual limits, waiting periods and exclusions of each benefit.
- Avoid double cover (e.g. with employer or credit-card benefits).
- How the premium develops with age, and the cancellation terms.
Compare supplementary insurance for Waldkirch →
How we work for Waldkirch
Our approach for "Maternity and birth (supplementary insurance)" in Waldkirch: (1) list your contracts and deadlines in the canton of St. Gallen; (2) uncover under- and over-insured risks as well as double cover; (3) compare options with concrete figures before you decide. The goal is never to pile up policies, but to align premiums, deductibles and benefits to a deliberately chosen level of risk. The comparison is free and without obligation; Assur-IA works in an educational way and replaces neither the tax authority nor regulated individual advice.
FAQ — insurance in Waldkirch (practical guidance, not legal advice)
Is "Maternity and birth (supplementary insurance)" also covered for the area around Waldkirch?
Yes. The neighbouring municipalities of Waldkirch, such as Hauptwil-Gottshaus (0 km), Andwil (3 km), each have their own page on "Maternity and birth (supplementary insurance)" — handy when you compare several places to live in the canton of St. Gallen or a move is coming up.
Does this page replace personal advice in Waldkirch?
No. It explains the insurance and tax concepts for residents of Waldkirch (canton of St. Gallen). Your decisions should rest on your own documents — and, where needed, on a regulated professional.
Can I compare "Maternity and birth (supplementary insurance)" in Waldkirch with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Waldkirch follow. The comparison is free, and no offer is binding.
How is the data from the form handled?
Transmission is encrypted and only takes place after your explicit consent. Details on purpose, recipients and storage duration are in our privacy policy.
Important notes
Assur-IA's content is maintained carefully, but it can change with legislation, case law and the product range. It constitutes neither a binding offer nor a personal recommendation. Rates, premiums, deductibles and deductions depend on your profile and the reference date.
Official sources
Our figures and information rely on the official publications of the Swiss Confederation.