Health insurance deductible: Simply explained

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?

What does franchise mean?

The franchise is the amount you paid for by themselves per year, before the health insurance company covers the costs.

Example:
Franchise 2,500 CHF → you pay the first 2,500 CHF yourself.

What franchise models are there?

The following options are available to you in basic health insurance:

• 300 CHF (deepest franchise)
• 500 CHF
• 1,000 CHF
• 1,500 CHF
• 2,000 CHF
• 2,500 CHF (highest franchise)

There are cheaper models for children.

How does the deductible work?

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

Which franchise should I choose?

1. High franchise (CHF 2,500)

Useful if:

• you rarely go to the doctor
• you are healthy
• you want to save money on the premium

2. Deep franchise (300 CHF)

Useful if:

• you often need medical services
• you are chronically ill
• you have scheduled treatments

When is it worthwhile to switch franchises?

Only Possible once a year – each until November 30th.

Conclusion

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.