{"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":"explicacion-sencilla-del-sistema-de-franquicias-de-seguros-de-salud-suizos","status":"publish","type":"post","link":"https:\/\/schweiz.blog\/es\/krankenkasse-franchise-schweiz-einfach-erklaert\/","title":{"rendered":"Deducible del seguro m\u00e9dico: Explicaci\u00f3n sencilla."},"content":{"rendered":"

La franquicia es uno de los conceptos m\u00e1s importantes del sistema sanitario suizo. Mucha gente se enfrenta a esta pregunta cada a\u00f1o: \u00bfQu\u00e9 franquicia deber\u00eda elegir y por qu\u00e9?<\/em><\/p>\n\n\n\n

\u00bfQu\u00e9 significa franquicia?<\/strong><\/h2>\n\n\n\n

La franquicia es la cantidad que usted pagado por ellos mismos cada a\u00f1o<\/strong>, antes de que la compa\u00f1\u00eda de seguros m\u00e9dicos cubra los costos.<\/p>\n\n\n\n

Ejemplo:
Franquicia 2.500 CHF \u2192 usted paga los primeros 2.500 CHF.<\/p>\n\n\n\n

\n\n\n\n

\u00bfQu\u00e9 modelos de franquicia existen?<\/strong><\/h2>\n\n\n\n

Las siguientes opciones est\u00e1n disponibles para usted en el seguro m\u00e9dico b\u00e1sico:<\/p>\n\n\n\n

    \n
  • 300 CHF<\/strong> (franquicia m\u00e1s profunda)<\/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> (franquicia de mayor nivel)<\/li>\n<\/ul>\n\n\n\n

    Existen modelos m\u00e1s econ\u00f3micos para ni\u00f1os.<\/p>\n\n\n\n

    \n\n\n\n

    \u00bfC\u00f3mo funciona la deducci\u00f3n?<\/strong><\/h2>\n\n\n\n

    Una vez que hayas alcanzado tu deducible, la compa\u00f1\u00eda de seguros m\u00e9dicos se har\u00e1 cargo. 90 % de los costos<\/strong>.
    Solo pagas 10 % Exceso<\/strong>, m\u00e1ximo 700 CHF al a\u00f1o<\/strong>.<\/p>\n\n\n\n

    \n\n\n\n

    \u00bfQu\u00e9 franquicia deber\u00eda elegir?<\/strong><\/h2>\n\n\n\n

    1. Franquicia alta (2.500 CHF)<\/strong><\/h3>\n\n\n\n

    \u00datil si:<\/p>\n\n\n\n

      \n
    • rara vez vas al m\u00e9dico.<\/li>\n\n\n\n
    • Est\u00e1s sano<\/li>\n\n\n\n
    • Quieres ahorrar dinero en la prima<\/li>\n<\/ul>\n\n\n\n

      2. Franquicia profunda (300 CHF)<\/strong><\/h3>\n\n\n\n

      \u00datil si:<\/p>\n\n\n\n

        \n
      • Con frecuencia necesitas servicios m\u00e9dicos<\/li>\n\n\n\n
      • Usted padece una enfermedad cr\u00f3nica.<\/li>\n\n\n\n
      • Usted tiene tratamientos planificados<\/li>\n<\/ul>\n\n\n\n
        \n\n\n\n

        \u00bfCu\u00e1ndo merece la pena cambiar de franquicia?<\/strong><\/h2>\n\n\n\n

        Solo Posible una vez al a\u00f1o<\/strong> \u2013 cada uno hasta 30 de noviembre<\/strong>.<\/p>\n\n\n\n

        \n\n\n\n

        Conclusi\u00f3n<\/strong><\/h2>\n\n\n\n

        Elegir el deducible adecuado puede ahorrarle mucho dinero. Es importante considerar con qu\u00e9 frecuencia necesita servicios m\u00e9dicos y si puede afrontar gastos de bolsillo m\u00e1s elevados.<\/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\/es\/wp-json\/wp\/v2\/posts\/644","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/schweiz.blog\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/schweiz.blog\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/es\/wp-json\/wp\/v2\/users\/274216737"}],"replies":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/es\/wp-json\/wp\/v2\/comments?post=644"}],"version-history":[{"count":3,"href":"https:\/\/schweiz.blog\/es\/wp-json\/wp\/v2\/posts\/644\/revisions"}],"predecessor-version":[{"id":647,"href":"https:\/\/schweiz.blog\/es\/wp-json\/wp\/v2\/posts\/644\/revisions\/647"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/es\/wp-json\/wp\/v2\/media\/641"}],"wp:attachment":[{"href":"https:\/\/schweiz.blog\/es\/wp-json\/wp\/v2\/media?parent=644"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/schweiz.blog\/es\/wp-json\/wp\/v2\/categories?post=644"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/schweiz.blog\/es\/wp-json\/wp\/v2\/tags?post=644"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}