{"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":"svicarska-fransiza-zdravstvenog-osiguranja-objasnjena-jednostavno","status":"publish","type":"post","link":"https:\/\/schweiz.blog\/hr\/krankenkasse-franchise-schweiz-einfach-erklaert\/","title":{"rendered":"Odbitak zdravstvenog osiguranja: Jednostavno obja\u0161njeno"},"content":{"rendered":"

Fran\u0161iza je jedan od najva\u017enijih koncepata u \u0161vicarskom zdravstvenom sustavu. Mnogi se ljudi svake godine suo\u010davaju s ovim pitanjem: Koju fran\u0161izu odabrati i za\u0161to?<\/em><\/p>\n\n\n\n

\u0160to zna\u010di fran\u0161iza?<\/strong><\/h2>\n\n\n\n

Fran\u0161iza je iznos koji vi pla\u0107aju sami godi\u0161nje<\/strong>, prije nego \u0161to zdravstveno osiguranje pokrije tro\u0161kove.<\/p>\n\n\n\n

Primjer:
Fran\u0161iza 2.500 CHF \u2192 prvih 2.500 CHF pla\u0107ate sami.<\/p>\n\n\n\n

\n\n\n\n

Koji fran\u0161izni modeli postoje?<\/strong><\/h2>\n\n\n\n

U osnovnom zdravstvenom osiguranju dostupne su vam sljede\u0107e mogu\u0107nosti:<\/p>\n\n\n\n

    \n
  • 300 \u0161vicarskih franaka<\/strong> (najdublja fran\u0161iza)<\/li>\n\n\n\n
  • 500 \u0161vicarskih franaka<\/strong><\/li>\n\n\n\n
  • 1.000 \u0161vicarskih franaka<\/strong><\/li>\n\n\n\n
  • 1.500 \u0161vicarskih franaka<\/strong><\/li>\n\n\n\n
  • 2.000 \u0161vicarskih franaka<\/strong><\/li>\n\n\n\n
  • 2.500 \u0161vicarskih franaka<\/strong> (najvi\u0161a fran\u0161iza)<\/li>\n<\/ul>\n\n\n\n

    Postoje jeftiniji modeli za djecu.<\/p>\n\n\n\n

    \n\n\n\n

    Kako funkcionira fran\u0161iza?<\/strong><\/h2>\n\n\n\n

    Nakon \u0161to dostignete svoju fran\u0161izu, zdravstveno osiguranje preuzima postupak. 90 % tro\u0161kova<\/strong>.
    Pla\u0107ate samo 10 % Vi\u0161ak<\/strong>, maksimum 700 CHF godi\u0161nje<\/strong>.<\/p>\n\n\n\n

    \n\n\n\n

    Koju fran\u0161izu trebam odabrati?<\/strong><\/h2>\n\n\n\n

    1. Visoka fran\u0161iza (2.500 CHF)<\/strong><\/h3>\n\n\n\n

    Korisno ako:<\/p>\n\n\n\n

      \n
    • Rijetko ide\u0161 lije\u010dniku<\/li>\n\n\n\n
    • zdrav si<\/li>\n\n\n\n
    • \u017eelite u\u0161tedjeti novac na premiji<\/li>\n<\/ul>\n\n\n\n

      2. Duboka fran\u0161iza (300 CHF)<\/strong><\/h3>\n\n\n\n

      Korisno ako:<\/p>\n\n\n\n

        \n
      • \u010desto vam trebaju medicinske usluge<\/li>\n\n\n\n
      • kroni\u010dno ste bolesni<\/li>\n\n\n\n
      • imate zakazane tretmane<\/li>\n<\/ul>\n\n\n\n
        \n\n\n\n

        Kada se isplati promijeniti fran\u0161izu?<\/strong><\/h2>\n\n\n\n

        Samo Mogu\u0107e jednom godi\u0161nje<\/strong> \u2013 svaki do 30. studenog<\/strong>.<\/p>\n\n\n\n

        \n\n\n\n

        Zaklju\u010dak<\/strong><\/h2>\n\n\n\n

        Odabir prave fran\u0161ize mo\u017ee vam u\u0161tedjeti mnogo novca. Va\u017eno je uzeti u obzir koliko \u010desto trebate medicinske usluge i mo\u017eete li si priu\u0161titi ve\u0107e tro\u0161kove.<\/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\/hr\/wp-json\/wp\/v2\/posts\/644","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/schweiz.blog\/hr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/schweiz.blog\/hr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/hr\/wp-json\/wp\/v2\/users\/274216737"}],"replies":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/hr\/wp-json\/wp\/v2\/comments?post=644"}],"version-history":[{"count":3,"href":"https:\/\/schweiz.blog\/hr\/wp-json\/wp\/v2\/posts\/644\/revisions"}],"predecessor-version":[{"id":647,"href":"https:\/\/schweiz.blog\/hr\/wp-json\/wp\/v2\/posts\/644\/revisions\/647"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/hr\/wp-json\/wp\/v2\/media\/641"}],"wp:attachment":[{"href":"https:\/\/schweiz.blog\/hr\/wp-json\/wp\/v2\/media?parent=644"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/schweiz.blog\/hr\/wp-json\/wp\/v2\/categories?post=644"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/schweiz.blog\/hr\/wp-json\/wp\/v2\/tags?post=644"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}