{"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":"swiss-health-insurance-franchise-explained-simply","status":"publish","type":"post","link":"https:\/\/schweiz.blog\/en_gb\/krankenkasse-franchise-schweiz-einfach-erklaert\/","title":{"rendered":"Health insurance deductible: Simply explained"},"content":{"rendered":"

The franchise is one of the most important concepts in the Swiss healthcare system. Many people face this question every year: Which franchise should I choose and why?<\/em><\/p>\n\n\n\n

What does franchise mean?<\/strong><\/h2>\n\n\n\n

The franchise is the amount you paid for by themselves per year<\/strong>, before the health insurance company covers the costs.<\/p>\n\n\n\n

Example:
Franchise 2,500 CHF \u2192 you pay the first 2,500 CHF yourself.<\/p>\n\n\n\n

\n\n\n\n

What franchise models are there?<\/strong><\/h2>\n\n\n\n

The following options are available to you in basic health insurance:<\/p>\n\n\n\n

    \n
  • 300 CHF<\/strong> (deepest franchise)<\/li>\n\n\n\n
  • 500 CHF<\/strong><\/li>\n\n\n\n
  • 1,000 CHF<\/strong><\/li>\n\n\n\n
  • 1,500 CHF<\/strong><\/li>\n\n\n\n
  • 2,000 CHF<\/strong><\/li>\n\n\n\n
  • 2,500 CHF<\/strong> (highest franchise)<\/li>\n<\/ul>\n\n\n\n

    There are cheaper models for children.<\/p>\n\n\n\n

    \n\n\n\n

    How does the deductible work?<\/strong><\/h2>\n\n\n\n

    Once you have reached your deductible, the health insurance company will take over. 90 % of the costs<\/strong>.
    You only pay 10 % Excess<\/strong>, maximum 700 CHF per year<\/strong>.<\/p>\n\n\n\n

    \n\n\n\n

    Which franchise should I choose?<\/strong><\/h2>\n\n\n\n

    1. High franchise (CHF 2,500)<\/strong><\/h3>\n\n\n\n

    Useful if:<\/p>\n\n\n\n

      \n
    • you rarely go to the doctor<\/li>\n\n\n\n
    • you are healthy<\/li>\n\n\n\n
    • you want to save money on the premium<\/li>\n<\/ul>\n\n\n\n

      2. Deep franchise (300 CHF)<\/strong><\/h3>\n\n\n\n

      Useful if:<\/p>\n\n\n\n

        \n
      • you often need medical services<\/li>\n\n\n\n
      • you are chronically ill<\/li>\n\n\n\n
      • you have planned treatments<\/li>\n<\/ul>\n\n\n\n
        \n\n\n\n

        When is it worthwhile to switch franchises?<\/strong><\/h2>\n\n\n\n

        Only Possible once a year<\/strong> \u2013 each until November 30th<\/strong>.<\/p>\n\n\n\n

        \n\n\n\n

        Conclusion<\/strong><\/h2>\n\n\n\n

        Choosing the right deductible can save you a lot of money. It's important to consider how often you need medical services and whether you can afford higher out-of-pocket costs.<\/p>","protected":false},"excerpt":{"rendered":"Die Franchise ist einer der wichtigsten Begriffe im Schweizer Gesundheitssystem. Viele stehen jedes Jahr vor der Frage: Welche…","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\/en_gb\/wp-json\/wp\/v2\/posts\/644","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/schweiz.blog\/en_gb\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/schweiz.blog\/en_gb\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/en_gb\/wp-json\/wp\/v2\/users\/274216737"}],"replies":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/en_gb\/wp-json\/wp\/v2\/comments?post=644"}],"version-history":[{"count":3,"href":"https:\/\/schweiz.blog\/en_gb\/wp-json\/wp\/v2\/posts\/644\/revisions"}],"predecessor-version":[{"id":647,"href":"https:\/\/schweiz.blog\/en_gb\/wp-json\/wp\/v2\/posts\/644\/revisions\/647"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/en_gb\/wp-json\/wp\/v2\/media\/641"}],"wp:attachment":[{"href":"https:\/\/schweiz.blog\/en_gb\/wp-json\/wp\/v2\/media?parent=644"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/schweiz.blog\/en_gb\/wp-json\/wp\/v2\/categories?post=644"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/schweiz.blog\/en_gb\/wp-json\/wp\/v2\/tags?post=644"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}