{"id":1386,"date":"2025-12-29T18:29:29","date_gmt":"2025-12-29T17:29:29","guid":{"rendered":"https:\/\/schweiz.blog\/?p=1386"},"modified":"2026-03-19T14:19:31","modified_gmt":"2026-03-19T13:19:31","slug":"berapa-biaya-asuransi-kesehatan-di-swiss","status":"publish","type":"post","link":"https:\/\/schweiz.blog\/id_id\/was-kostet-eine-krankenkasse-in-der-schweiz\/","title":{"rendered":"Berapa biaya asuransi kesehatan di Swiss?"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><strong>Berapa biaya asuransi kesehatan di Swiss?<\/strong> Pertanyaan ini memengaruhi semua orang di negara ini, karena asuransi kesehatan dasar bersifat wajib. Meskipun demikian, premi bulanan sangat bervariasi \u2013 tergantung pada kanton, usia, dan biaya yang ditanggung sendiri (deductible).<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Biaya rata-rata asuransi kesehatan<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Itu <strong>premi bulanan untuk asuransi kesehatan dasar<\/strong> kira-kira:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Dewasa:<\/strong> kira-kira. <strong>350\u2013500 CHF<\/strong><\/li>\n\n\n\n<li><strong>Dewasa muda:<\/strong> kira-kira. <strong>250\u2013350 CHF<\/strong><\/li>\n\n\n\n<li><strong>Anak-anak:<\/strong> kira-kira. <strong>90\u2013130 CHF<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Bagi orang dewasa, ini dengan cepat diartikan sebagai satu tahun sekali. <strong>lebih dari 4.000 CHF<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Biaya tersebut bergantung pada apa saja?<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1. Kanton tempat tinggal<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Premi asuransi kesehatan sangat bervariasi menurut wilayah. Kanton perkotaan biasanya lebih mahal.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Waralaba<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Semakin tinggi level waralaba, semakin rendah premi bulanan:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>300 CHF (opsi termahal)<\/li>\n\n\n\n<li>2.500 CHF (opsi termurah)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">3. Model asuransi<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Model standar (mahal)<\/li>\n\n\n\n<li>Model dokter keluarga<\/li>\n\n\n\n<li>Model HMO<\/li>\n\n\n\n<li>Model Telmed<\/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\">Asuransi dasar vs. asuransi tambahan<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Asuransi dasar<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Diwajibkan secara hukum<\/li>\n\n\n\n<li>Semua dana asuransi kesehatan mendapatkan manfaat yang sama.<\/li>\n\n\n\n<li>Satu-satunya perbedaan adalah harganya.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Asuransi tambahan<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Secara sukarela<\/li>\n\n\n\n<li>Mencakup, misalnya, asuransi gigi tambahan, rawat inap di rumah sakit swasta, dan pengobatan alternatif.<\/li>\n\n\n\n<li>Harga sangat bervariasi.<\/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\">Berapa banyak yang bisa Anda tabung?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Banyak orang membayar harga yang terlalu tinggi tanpa alasan yang jelas. Hal ini disebabkan oleh:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Adaptasi waralaba<\/li>\n\n\n\n<li>Perubahan model<\/li>\n\n\n\n<li>Perbandingan tahunan<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">bisa jadi <strong>500\u20131.500 CHF per tahun<\/strong> menyimpan.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Kesimpulan<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Berapa biaya asuransi kesehatan di Swiss? Untuk orang dewasa, Anda harus realistis. <strong>350\u2013500 CHF per bulan<\/strong> Rencanakanlah dari sekarang. Mengoptimalkan asuransi Anda dapat menghemat banyak uang dalam jangka panjang \u2013 tanpa mengurangi manfaat apa pun.<\/p>\n\n\n\n<!-- schweiz.blog x schweiz.work -->\n<div style=\"  margin:56px 0;  padding:24px 28px;  border-left:3px solid #60a5fa;  background:rgba(255,255,255,0.02);  color:#e5e7eb;  font-family:system-ui,sans-serif;\">\n  <p style=\"margin:0 0 12px 0; font-size:15px; line-height:1.7;\">\n    Selain blog ini, kami juga menjalankan <strong>swiss.work<\/strong>  \n    sebuah platform untuk layanan di Swiss.\n  <\/p>\n\n  <p style=\"margin:0; font-size:15px;\">\n    <a href=\"https:\/\/schweiz.work\/?ref=schweizblog\" style=\"color:#93c5fd; font-weight:500; text-decoration:none;\" target=\"_blank\" rel=\"noopener\">\n      1 iklan saat ini gratis selama 30 hari \u2192\n    <\/a>\n  <\/p>\n<\/div>\n<!-- \/schweiz.blog x schweiz.work -->","protected":false},"excerpt":{"rendered":"Was kostet eine Krankenkasse in der Schweiz? Diese Frage betrifft jede Person im Land, denn die Grundversicherung ist&hellip;","protected":false},"author":274216737,"featured_media":1383,"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":[2725,2710],"tags":[3464,3467,3465,3463,3466],"class_list":{"0":"post-1386","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-leben","8":"category-allgemein","9":"tag-grundversicherung-schweiz","10":"tag-krankenkasse-kosten-schweiz","11":"tag-krankenkassen-praemien-schweiz","12":"tag-krankenversicherung-schweiz","13":"tag-was-kostet-eine-krankenkasse-in-der-schweiz","14":"cs-entry","15":"cs-video-wrap"},"jetpack_featured_media_url":"https:\/\/i0.wp.com\/schweiz.blog\/wp-content\/uploads\/2025\/12\/20251229_1827_Schweizer-Krankenkassen-Kosten_simple_compose_01kdnjbxp7e7cvk1cts3kczq0r.png?fit=1536%2C1024&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/pgWLwP-mm","_links":{"self":[{"href":"https:\/\/schweiz.blog\/id_id\/wp-json\/wp\/v2\/posts\/1386","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/schweiz.blog\/id_id\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/schweiz.blog\/id_id\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/id_id\/wp-json\/wp\/v2\/users\/274216737"}],"replies":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/id_id\/wp-json\/wp\/v2\/comments?post=1386"}],"version-history":[{"count":2,"href":"https:\/\/schweiz.blog\/id_id\/wp-json\/wp\/v2\/posts\/1386\/revisions"}],"predecessor-version":[{"id":1388,"href":"https:\/\/schweiz.blog\/id_id\/wp-json\/wp\/v2\/posts\/1386\/revisions\/1388"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/id_id\/wp-json\/wp\/v2\/media\/1383"}],"wp:attachment":[{"href":"https:\/\/schweiz.blog\/id_id\/wp-json\/wp\/v2\/media?parent=1386"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/schweiz.blog\/id_id\/wp-json\/wp\/v2\/categories?post=1386"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/schweiz.blog\/id_id\/wp-json\/wp\/v2\/tags?post=1386"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}