{"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":"sveitsilaeinen-sairausvakuutusfranchising-yritys-yksinkertaisesti-selitettynae","status":"publish","type":"post","link":"https:\/\/schweiz.blog\/fi\/krankenkasse-franchise-schweiz-einfach-erklaert\/","title":{"rendered":"Sairausvakuutuksen omavastuu: Yksinkertaisesti selitettyn\u00e4"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Franchising on yksi Sveitsin terveydenhuoltoj\u00e4rjestelm\u00e4n t\u00e4rkeimmist\u00e4 k\u00e4sitteist\u00e4. Monet ihmiset kohtaavat t\u00e4m\u00e4n kysymyksen joka vuosi: <em>Mink\u00e4 franchising-yrityksen minun pit\u00e4isi valita ja miksi?<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Mit\u00e4 franchising tarkoittaa?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Franchising on summa, jonka sin\u00e4 <strong>itse maksettu vuodessa<\/strong>, ennen kuin sairausvakuutusyhti\u00f6 korvaa kustannukset.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Esimerkki:<br>Franchising 2 500 CHF \u2192 maksat ensimm\u00e4iset 2 500 CHF itse.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Mit\u00e4 franchising-malleja on olemassa?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Perusterveysvakuutuksessa on k\u00e4ytett\u00e4viss\u00e4si seuraavat vaihtoehdot:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>300 Sveitsin frangia<\/strong> (syvin franchising-sarja)<\/li>\n\n\n\n<li><strong>500 Sveitsin frangia<\/strong><\/li>\n\n\n\n<li><strong>1 000 Sveitsin frangia<\/strong><\/li>\n\n\n\n<li><strong>1 500 Sveitsin frangia<\/strong><\/li>\n\n\n\n<li><strong>2 000 Sveitsin frangia<\/strong><\/li>\n\n\n\n<li><strong>2 500 Sveitsin frangia<\/strong> (korkein franchising-luokka)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Lapsille on halvempia malleja.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Miten omavastuu toimii?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kun olet saavuttanut omavastuuosuutesi, sairausvakuutusyhti\u00f6 ottaa vastuun. <strong>90 % kustannuksista<\/strong>.<br>Maksat vain <strong>10 % Ylim\u00e4\u00e4r\u00e4inen<\/strong>, maksimi <strong>700 Sveitsin frangia vuodessa<\/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>Mink\u00e4 franchising-yrityksen minun pit\u00e4isi valita?<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. Korkea franchising-taso (2 500 Sveitsin frangia)<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Hy\u00f6dyllinen, jos:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>k\u00e4yt harvoin l\u00e4\u00e4k\u00e4riss\u00e4<\/li>\n\n\n\n<li>olet terve<\/li>\n\n\n\n<li>haluat s\u00e4\u00e4st\u00e4\u00e4 rahaa premium-maksussa<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Syv\u00e4 franchising-sopimus (300 CHF)<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Hy\u00f6dyllinen, jos:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>tarvitset usein l\u00e4\u00e4k\u00e4rinpalveluita<\/li>\n\n\n\n<li>olet kroonisesti sairas<\/li>\n\n\n\n<li>sinulla on suunniteltuja hoitoja<\/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>Milloin franchising-yrityksen vaihtaminen kannattaa?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Vain <strong>Mahdollista kerran vuodessa<\/strong> \u2013 jokainen kunnes <strong>30. marraskuuta<\/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>Lopputulos<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Oikean omavastuun valitseminen voi s\u00e4\u00e4st\u00e4\u00e4 paljon rahaa. On t\u00e4rke\u00e4\u00e4 mietti\u00e4, kuinka usein tarvitset l\u00e4\u00e4ketieteellisi\u00e4 palveluita ja onko sinulla varaa korkeampiin omavastuukustannuksiin.<\/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\/fi\/wp-json\/wp\/v2\/posts\/644","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/schweiz.blog\/fi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/schweiz.blog\/fi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/fi\/wp-json\/wp\/v2\/users\/274216737"}],"replies":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/fi\/wp-json\/wp\/v2\/comments?post=644"}],"version-history":[{"count":3,"href":"https:\/\/schweiz.blog\/fi\/wp-json\/wp\/v2\/posts\/644\/revisions"}],"predecessor-version":[{"id":647,"href":"https:\/\/schweiz.blog\/fi\/wp-json\/wp\/v2\/posts\/644\/revisions\/647"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/fi\/wp-json\/wp\/v2\/media\/641"}],"wp:attachment":[{"href":"https:\/\/schweiz.blog\/fi\/wp-json\/wp\/v2\/media?parent=644"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/schweiz.blog\/fi\/wp-json\/wp\/v2\/categories?post=644"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/schweiz.blog\/fi\/wp-json\/wp\/v2\/tags?post=644"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}