If a treatment in the hospital becomes necessary during pregnancy, you will receive a referral from your gynecologist for further treatment in the hospital. The costs for the stay and the treatment in the hospital are paid by the health insurance. Even if you go to a hospital for childbirth, the hospital will bill you directly with the health insurance company when you present your health insurance card. For refugees and asylum seekers who do not have a health card, the social welfare offices cover the costs