{"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":"le-systeme-dassurance-maladie-suisse-explique-simplement","status":"publish","type":"post","link":"https:\/\/schweiz.blog\/fr\/krankenkasse-franchise-schweiz-einfach-erklaert\/","title":{"rendered":"Franchise d'assurance maladie\u00a0: explications simples"},"content":{"rendered":"

La franchise est l'un des concepts les plus importants du syst\u00e8me de sant\u00e9 suisse. Chaque ann\u00e9e, de nombreuses personnes se posent la question suivante\u00a0: Quelle franchise choisir et pourquoi ?<\/em><\/p>\n\n\n\n

Que signifie le terme \u00ab franchise \u00bb ?<\/strong><\/h2>\n\n\n\n

La franchise correspond au montant que vous pay\u00e9s par eux-m\u00eames par an<\/strong>, avant que la compagnie d'assurance maladie ne prenne en charge les frais.<\/p>\n\n\n\n

Exemple:
Franchise 2\u00a0500 CHF \u2192 vous payez vous-m\u00eame les 2\u00a0500 premiers CHF.<\/p>\n\n\n\n

\n\n\n\n

Quels sont les diff\u00e9rents mod\u00e8les de franchise ?<\/strong><\/h2>\n\n\n\n

Les options suivantes sont disponibles dans le cadre de l'assurance maladie de base\u00a0:<\/p>\n\n\n\n

    \n
  • 300 CHF<\/strong> (franchise la plus profonde)<\/li>\n\n\n\n
  • 500 CHF<\/strong><\/li>\n\n\n\n
  • 1\u00a0000 CHF<\/strong><\/li>\n\n\n\n
  • 1 500 CHF<\/strong><\/li>\n\n\n\n
  • 2\u00a0000 CHF<\/strong><\/li>\n\n\n\n
  • 2 500 CHF<\/strong> (franchise la plus \u00e9lev\u00e9e)<\/li>\n<\/ul>\n\n\n\n

    Il existe des mod\u00e8les moins chers pour les enfants.<\/p>\n\n\n\n

    \n\n\n\n

    Comment fonctionne la franchise ?<\/strong><\/h2>\n\n\n\n

    Une fois votre franchise atteinte, la compagnie d'assurance maladie prendra le relais. 90 % des co\u00fbts<\/strong>.
    Vous ne payez que 10 % Exc\u00e8s<\/strong>, maximum 700 CHF par an<\/strong>.<\/p>\n\n\n\n

    \n\n\n\n

    Quelle franchise choisir ?<\/strong><\/h2>\n\n\n\n

    1. Franchise \u00e9lev\u00e9e (CHF 2 500)<\/strong><\/h3>\n\n\n\n

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

      \n
    • tu vas rarement chez le m\u00e9decin<\/li>\n\n\n\n
    • tu es en bonne sant\u00e9<\/li>\n\n\n\n
    • vous souhaitez \u00e9conomiser sur la prime<\/li>\n<\/ul>\n\n\n\n

      2. Franchise approfondie (300 CHF)<\/strong><\/h3>\n\n\n\n

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

        \n
      • vous avez souvent besoin de services m\u00e9dicaux<\/li>\n\n\n\n
      • vous \u00eates atteint d'une maladie chronique<\/li>\n\n\n\n
      • vous avez des traitements planifi\u00e9s<\/li>\n<\/ul>\n\n\n\n
        \n\n\n\n

        Quand est-il judicieux de changer de franchise ?<\/strong><\/h2>\n\n\n\n

        Seulement Possible une fois par an<\/strong> \u2013 chacun jusqu'\u00e0 30 novembre<\/strong>.<\/p>\n\n\n\n

        \n\n\n\n

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

        Choisir la bonne franchise peut vous faire \u00e9conomiser beaucoup d'argent. Il est important de tenir compte de la fr\u00e9quence \u00e0 laquelle vous avez besoin de soins m\u00e9dicaux et de votre capacit\u00e9 \u00e0 assumer des frais plus \u00e9lev\u00e9s \u00e0 votre charge.<\/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\/fr\/wp-json\/wp\/v2\/posts\/644","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/schweiz.blog\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/schweiz.blog\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/fr\/wp-json\/wp\/v2\/users\/274216737"}],"replies":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/fr\/wp-json\/wp\/v2\/comments?post=644"}],"version-history":[{"count":3,"href":"https:\/\/schweiz.blog\/fr\/wp-json\/wp\/v2\/posts\/644\/revisions"}],"predecessor-version":[{"id":647,"href":"https:\/\/schweiz.blog\/fr\/wp-json\/wp\/v2\/posts\/644\/revisions\/647"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/fr\/wp-json\/wp\/v2\/media\/641"}],"wp:attachment":[{"href":"https:\/\/schweiz.blog\/fr\/wp-json\/wp\/v2\/media?parent=644"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/schweiz.blog\/fr\/wp-json\/wp\/v2\/categories?post=644"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/schweiz.blog\/fr\/wp-json\/wp\/v2\/tags?post=644"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}