{"id":644,"date":"2025-11-25T13:55:11","date_gmt":"2025-11-25T12:55:11","guid":{"rendered":"https:\/\/schweiz.blog\/?p=644"},"modified":"2025-11-25T13:55:13","modified_gmt":"2025-11-25T12:55:13","slug":"svycarska-fransiza-zdravotniho-pojisteni-vysvetlena-jednoduse","status":"publish","type":"post","link":"https:\/\/schweiz.blog\/cs\/krankenkasse-franchise-schweiz-einfach-erklaert\/","title":{"rendered":"Spolu\u00fa\u010dast na zdravotn\u00edm poji\u0161t\u011bn\u00ed: Jednodu\u0161e vysv\u011btleno"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Fran\u0161\u00edza je jedn\u00edm z nejd\u016fle\u017eit\u011bj\u0161\u00edch koncept\u016f ve \u0161v\u00fdcarsk\u00e9m syst\u00e9mu zdravotn\u00ed p\u00e9\u010de. S touto ot\u00e1zkou se ka\u017edoro\u010dn\u011b pot\u00fdk\u00e1 mnoho lid\u00ed: <em>Kterou fran\u0161\u00edzu si m\u00e1m vybrat a pro\u010d?<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Co znamen\u00e1 fran\u0161\u00edza?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Fran\u0161\u00edza je \u010d\u00e1stka, kterou <strong>hrad\u00ed si sami ro\u010dn\u011b<\/strong>, ne\u017e zdravotn\u00ed poji\u0161\u0165ovna uhrad\u00ed n\u00e1klady.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159\u00edklad:<br>Fran\u0161\u00edza 2 500 CHF \u2192 prvn\u00edch 2 500 CHF si zaplat\u00edte sami.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Jak\u00e9 existuj\u00ed fran\u0161\u00edzov\u00e9 modely?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">V r\u00e1mci z\u00e1kladn\u00edho zdravotn\u00edho poji\u0161t\u011bn\u00ed m\u00e1te k dispozici n\u00e1sleduj\u00edc\u00ed mo\u017enosti:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>300 \u0161v\u00fdcarsk\u00fdch frank\u016f<\/strong> (nejhlub\u0161\u00ed fran\u0161\u00edza)<\/li>\n\n\n\n<li><strong>500 \u0161v\u00fdcarsk\u00fdch frank\u016f<\/strong><\/li>\n\n\n\n<li><strong>1 000 \u0161v\u00fdcarsk\u00fdch frank\u016f<\/strong><\/li>\n\n\n\n<li><strong>1 500 \u0161v\u00fdcarsk\u00fdch frank\u016f<\/strong><\/li>\n\n\n\n<li><strong>2 000 \u0161v\u00fdcarsk\u00fdch frank\u016f<\/strong><\/li>\n\n\n\n<li><strong>2 500 \u0161v\u00fdcarsk\u00fdch frank\u016f<\/strong> (nejvy\u0161\u0161\u00ed fran\u0161\u00edza)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Existuj\u00ed levn\u011bj\u0161\u00ed modely pro d\u011bti.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Jak funguje spolu\u00fa\u010dast?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Jakmile dos\u00e1hnete sv\u00e9 spolu\u00fa\u010dasti, p\u0159evezme ji zdravotn\u00ed poji\u0161\u0165ovna. <strong>90 % n\u00e1klad\u016f<\/strong>.<br>Plat\u00edte pouze <strong>10 % P\u0159ebytek<\/strong>, maximum <strong>700 CHF ro\u010dn\u011b<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Kterou fran\u0161\u00edzu si m\u00e1m vybrat?<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. Vysok\u00e1 fran\u0161\u00edza (2 500 CHF)<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">U\u017eite\u010dn\u00e9, pokud:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>m\u00e1lokdy chod\u00ed\u0161 k l\u00e9ka\u0159i<\/li>\n\n\n\n<li>jsi zdrav\u00fd\/\u00e1<\/li>\n\n\n\n<li>chcete u\u0161et\u0159it pen\u00edze na pr\u00e9mii<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Rozs\u00e1hl\u00e1 fran\u0161\u00edza (300 CHF)<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">U\u017eite\u010dn\u00e9, pokud:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u010dasto pot\u0159ebujete l\u00e9ka\u0159sk\u00e9 slu\u017eby<\/li>\n\n\n\n<li>jste chronicky nemocn\u00fd\/\u00e1<\/li>\n\n\n\n<li>m\u00e1te napl\u00e1novan\u00e9 o\u0161et\u0159en\u00ed<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Kdy se vyplat\u00ed zm\u011bnit fran\u0161\u00edzu?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pouze <strong>Mo\u017en\u00e9 jednou ro\u010dn\u011b<\/strong> \u2013 ka\u017ed\u00fd a\u017e do <strong>30. listopadu<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Z\u00e1v\u011br<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00fdb\u011br spr\u00e1vn\u00e9 spolu\u00fa\u010dasti v\u00e1m m\u016f\u017ee u\u0161et\u0159it spoustu pen\u011bz. Je d\u016fle\u017eit\u00e9 zv\u00e1\u017eit, jak \u010dasto pot\u0159ebujete l\u00e9ka\u0159sk\u00e9 slu\u017eby a zda si m\u016f\u017eete dovolit vy\u0161\u0161\u00ed v\u00fddaje hrazen\u00e9 z vlastn\u00ed kapsy.<\/p>","protected":false},"excerpt":{"rendered":"Die Franchise ist einer der wichtigsten Begriffe im Schweizer Gesundheitssystem. Viele stehen jedes Jahr vor der Frage: Welche&hellip;","protected":false},"author":274216737,"featured_media":641,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_crdt_document":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":true,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"csco_display_header_overlay":false,"csco_singular_sidebar":"","csco_page_header_type":"","csco_page_load_nextpost":"","csco_page_reading_time":"","csco_page_toc_navigation":"","csco_post_video_location":[],"csco_post_video_location_hash":"","csco_post_video_url":"","csco_post_video_bg_start_time":0,"csco_post_video_bg_end_time":0,"csco_post_video_bg_volume":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[2724],"tags":[2762,2763,2764,2765,2761],"class_list":{"0":"post-644","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-alltag","8":"tag-franchise-modelle-schweiz","9":"tag-franchise-schweiz","10":"tag-krankenkasse-franchise-erklaerung","11":"tag-krankenkasse-kosten","12":"tag-krankenkasse-selbstbehalt","13":"cs-entry","14":"cs-video-wrap"},"jetpack_featured_media_url":"https:\/\/i0.wp.com\/schweiz.blog\/wp-content\/uploads\/2025\/11\/20251125_1349_Krankenkasse-Einfach-Erklaert_simple_compose_01kaxgxmn0em583xwkhwm8myrj.png?fit=1536%2C1024&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/pgWLwP-ao","_links":{"self":[{"href":"https:\/\/schweiz.blog\/cs\/wp-json\/wp\/v2\/posts\/644","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/schweiz.blog\/cs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/schweiz.blog\/cs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/cs\/wp-json\/wp\/v2\/users\/274216737"}],"replies":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/cs\/wp-json\/wp\/v2\/comments?post=644"}],"version-history":[{"count":3,"href":"https:\/\/schweiz.blog\/cs\/wp-json\/wp\/v2\/posts\/644\/revisions"}],"predecessor-version":[{"id":647,"href":"https:\/\/schweiz.blog\/cs\/wp-json\/wp\/v2\/posts\/644\/revisions\/647"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/cs\/wp-json\/wp\/v2\/media\/641"}],"wp:attachment":[{"href":"https:\/\/schweiz.blog\/cs\/wp-json\/wp\/v2\/media?parent=644"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/schweiz.blog\/cs\/wp-json\/wp\/v2\/categories?post=644"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/schweiz.blog\/cs\/wp-json\/wp\/v2\/tags?post=644"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}