{"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":"schwaeizer-krankeversecherungsfranchise-einfach-erklaeert","status":"publish","type":"post","link":"https:\/\/schweiz.blog\/lb\/krankenkasse-franchise-schweiz-einfach-erklaert\/","title":{"rendered":"Krankevers\u00e9cherungsselbstbehalt: Einfach erkl\u00e4ert"},"content":{"rendered":"

D'Franchise ass ee vun de wichtegste Konzepter am Schw\u00e4izer Gesondheetssystem. Vill Leit stellen sech all Joer mat d\u00ebser Fro: W\u00e9i eng Franchise soll ech wielen a firwat?<\/em><\/p>\n\n\n\n

Wat bedeit Franchise?<\/strong><\/h2>\n\n\n\n

D'Franchise ass de Betrag, deen Dir selwer pro Joer bezuelt<\/strong>, ier d'Krankevers\u00e9cherung d'K\u00e4schten iwwerh\u00eblt.<\/p>\n\n\n\n

Beispill:
Franchise 2.500 CHF \u2192 Dir bezuelt d\u00e9i \u00e9ischt 2.500 CHF selwer.<\/p>\n\n\n\n

\n\n\n\n

W\u00e9i eng Franchisemodeller g\u00ebtt et?<\/strong><\/h2>\n\n\n\n

Folgend Optioune stinn Iech an der Basiskrankenvers\u00e9cherung zur Verf\u00fcgung:<\/p>\n\n\n\n

    \n
  • 300 CHF<\/strong> (d\u00e9i d\u00e9ifst Franchise)<\/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> (h\u00e9chst Franchise)<\/li>\n<\/ul>\n\n\n\n

    Et g\u00ebtt m\u00e9i b\u00eblleg Modeller fir Kanner.<\/p>\n\n\n\n

    \n\n\n\n

    W\u00e9i funktion\u00e9iert den Selbstbehalt?<\/strong><\/h2>\n\n\n\n

    Soubal Dir \u00c4r Selbstbehalt erreecht hutt, iwwerh\u00eblt d'Krankevers\u00e9cherung d'Aufgab. 90 % vun de K\u00e4schten<\/strong>.
    Dir bezuelt n\u00ebmmen 10 % Iwwersch\u00ebss<\/strong>, maximal 700 CHF pro Joer<\/strong>.<\/p>\n\n\n\n

    \n\n\n\n

    W\u00e9i eng Franchise soll ech wielen?<\/strong><\/h2>\n\n\n\n

    1. H\u00e9ich Franchise (CHF 2.500)<\/strong><\/h3>\n\n\n\n

    N\u00ebtzlech wann:<\/p>\n\n\n\n

      \n
    • du gees selten beim Dokter<\/li>\n\n\n\n
    • du bass gesond<\/li>\n\n\n\n
    • Dir w\u00ebllt Sue beim Premium spueren<\/li>\n<\/ul>\n\n\n\n

      2. D\u00e9if Franchise (300 CHF)<\/strong><\/h3>\n\n\n\n

      N\u00ebtzlech wann:<\/p>\n\n\n\n

        \n
      • Dir braucht dacks medizinesch Servicer<\/li>\n\n\n\n
      • Dir sidd chronesch krank<\/li>\n\n\n\n
      • Dir hutt geplangte Behandlungen<\/li>\n<\/ul>\n\n\n\n
        \n\n\n\n

        W\u00e9ini ass et derw\u00e4ert, Franchise ze wiesselen?<\/strong><\/h2>\n\n\n\n

        N\u00ebmmen M\u00e9iglech eemol am Joer<\/strong> \u2013 jiddwereen bis 30. November<\/strong>.<\/p>\n\n\n\n

        \n\n\n\n

        Konklusioun<\/strong><\/h2>\n\n\n\n

        D'Wiel vun der richteger Selbstbehaltung kann Iech vill Sue spueren. Et ass wichteg ze ber\u00fccksichtegen, w\u00e9i dacks Dir medizinesch Servicer braucht a w\u00e9i h\u00e9ich Dir Iech d\u00e9i m\u00e9i h\u00e9ich K\u00e4schte leeschte k\u00ebnnt.<\/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\/lb\/wp-json\/wp\/v2\/posts\/644","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/schweiz.blog\/lb\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/schweiz.blog\/lb\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/lb\/wp-json\/wp\/v2\/users\/274216737"}],"replies":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/lb\/wp-json\/wp\/v2\/comments?post=644"}],"version-history":[{"count":3,"href":"https:\/\/schweiz.blog\/lb\/wp-json\/wp\/v2\/posts\/644\/revisions"}],"predecessor-version":[{"id":647,"href":"https:\/\/schweiz.blog\/lb\/wp-json\/wp\/v2\/posts\/644\/revisions\/647"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/lb\/wp-json\/wp\/v2\/media\/641"}],"wp:attachment":[{"href":"https:\/\/schweiz.blog\/lb\/wp-json\/wp\/v2\/media?parent=644"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/schweiz.blog\/lb\/wp-json\/wp\/v2\/categories?post=644"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/schweiz.blog\/lb\/wp-json\/wp\/v2\/tags?post=644"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}