{"id":745,"date":"2025-11-27T17:08:25","date_gmt":"2025-11-27T16:08:25","guid":{"rendered":"https:\/\/schweiz.blog\/?p=745"},"modified":"2025-11-27T17:08:27","modified_gmt":"2025-11-27T16:08:27","slug":"schwaeizer-krankeversecherungsfranchise-erklaerung","status":"publish","type":"post","link":"https:\/\/schweiz.blog\/lb\/krankenkasse-schweiz-franchise-erklaerung\/","title":{"rendered":"Schw\u00e4izer Krankevers\u00e9cherung: Selbstbehalen, Modeller a w\u00e9i ee Sue spuert"},"content":{"rendered":"<p class=\"wp-block-paragraph\">D&#039;Wiel vun der richteger Selbstbehaltung ass eng vun de wichtegsten finanziellen Entscheedungen am Schw\u00e4izer Gesondheetssystem. Vill Leit bezuele all Joer onn\u00e9ideg h\u00e9ich Pr\u00e4mi\u00eb well se d\u00e9i falsch Selbstbehaltung wielen oder hir Krankevers\u00e9cherung net optimis\u00e9ieren. D\u00ebsen Artikel erkl\u00e4ert d&#039;Selbstbehaltungen a Pl\u00e4ng a weist w\u00e9i een effektiv spuert.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Wat ass d&#039;Franchise?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">D&#039;Selbstbehalen ass de Betrag, deen d\u00e9i vers\u00e9chert Persounen all Joer selwer bezuelen, ier d&#039;Krankevers\u00e9cherung d&#039;K\u00e4schten iwwerh\u00eblt. An der Schw\u00e4iz g\u00ebtt et Standard-Selbstbehalen vun:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>300 CHF<\/li>\n\n\n\n<li>500 CHF<\/li>\n\n\n\n<li>1.000 CHF<\/li>\n\n\n\n<li>1.500 CHF<\/li>\n\n\n\n<li>2.000 CHF<\/li>\n\n\n\n<li>2.500 CHF<\/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\">W\u00e9i wielt een d\u00e9i richteg Franchise?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00e9i grondlee\u00ebnd Regel ass einfach:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">D\u00e9if Franchise (300 CHF)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">N\u00ebtzlech wann:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>reegelm\u00e9isseg Dokterbesich<\/li>\n\n\n\n<li>chronesch Krankheeten<\/li>\n\n\n\n<li>deier Medikamenter<\/li>\n\n\n\n<li>h\u00e9ich medizinesch K\u00e4schte pro Joer<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">H\u00e9ich Franchise (CHF 2.500)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">N\u00ebtzlech wann:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bal keng Dokterbesich<\/li>\n\n\n\n<li>e gesonde Risikoprofil<\/li>\n\n\n\n<li>minimal Medikamentk\u00e4schten<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Mat enger h\u00e9ijer Selbstbehalt spueren vill t\u00ebscht 800 an 1.500 Frang j\u00e4erlech u Pr\u00e4mi\u00eb.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Basis Vers\u00e9cherungsmodeller<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">D&#039;Schw\u00e4izer Basiskrankenvers\u00e9cherung bitt verschidde Spuermodeller:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Modell vun engem Hausdokter<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Den Hausdokter ass den \u00e9ischte Kontaktpunkt.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Telmed-Modell<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Als \u00e9ischt, kontakt\u00e9iert e medizinesche Berodungszentrum per Telefon.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">HMO-Modell<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Behandlung an enger spezifescher Gruppenpraxis.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Standardmodell<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Fr\u00e4i Wiel vum Dokter, h\u00e9chst Pr\u00e4mi\u00eb.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">W\u00e9ini ass et derw\u00e4ert, d&#039;Krankevers\u00e9cherung ze wiesselen?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">E Wiessel ass derw\u00e4ert wann:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>iwwerduerchschn\u00ebttlech Pr\u00e4mien<\/li>\n\n\n\n<li>Onn\u00e9ideg zous\u00e4tzlech Vers\u00e9cherungspolice<\/li>\n\n\n\n<li>Wiessel vum Wunns\u00ebtz<\/li>\n\n\n\n<li>besser Offeren vun anere Vers\u00e9cherer<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c4nnerung ass <strong>all Joer bis den 30. November<\/strong> m\u00e9iglech (mat Standardmodell).<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Tipps fir Suen ze spueren<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Wielt eng Franchise bewosst<\/li>\n\n\n\n<li>Vergl\u00e4icht Premium-Rechner<\/li>\n\n\n\n<li>Erg\u00e4nzungsvers\u00e9cherungspolice kritesch iwwerpr\u00e9iwen<\/li>\n\n\n\n<li>Spuermodeller benotzen<\/li>\n\n\n\n<li>Pr\u00e4isreduktiounen iwwerpr\u00e9iwen<\/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\">Konklusioun<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">D&#039;Franchisegeb\u00fchr ass e wichtege K\u00e4schtefaktor am Schw\u00e4izer Gesondheetssystem. D\u00e9i, d\u00e9i hir Bedierfnesser realistesch asch\u00e4tzen, k\u00ebnnen all Joer erheblech Prime spueren.<\/p>","protected":false},"excerpt":{"rendered":"Die Wahl der richtigen Franchise geh\u00f6rt zu den wichtigsten finanziellen Entscheidungen im Schweizer Gesundheitssystem. Viele zahlen jedes Jahr&hellip;","protected":false},"author":274216737,"featured_media":748,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_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_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[2725,2710,2723],"tags":[2873,2762,2872,2870,2869,2871],"class_list":["post-745","post","type-post","status-publish","format-standard","has-post-thumbnail","category-leben","category-allgemein","category-schweiz","tag-franchise-2500-oder-300","tag-franchise-modelle-schweiz","tag-franchise-wahl-schweiz","tag-krankenkasse-schweiz-franchise","tag-krankenkasse-sparen-schweiz","tag-krankenkassen-modelle-schweiz","cs-entry","cs-video-wrap"],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/schweiz.blog\/wp-content\/uploads\/2025\/11\/20251127_1659_Schweizer-Krankenkassen-Uebersicht_simple_compose_01kb30jfw3esv9pz28v6gpfk8h.png?fit=1536%2C1024&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/pgWLwP-c1","_links":{"self":[{"href":"https:\/\/schweiz.blog\/lb\/wp-json\/wp\/v2\/posts\/745","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=745"}],"version-history":[{"count":2,"href":"https:\/\/schweiz.blog\/lb\/wp-json\/wp\/v2\/posts\/745\/revisions"}],"predecessor-version":[{"id":749,"href":"https:\/\/schweiz.blog\/lb\/wp-json\/wp\/v2\/posts\/745\/revisions\/749"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/lb\/wp-json\/wp\/v2\/media\/748"}],"wp:attachment":[{"href":"https:\/\/schweiz.blog\/lb\/wp-json\/wp\/v2\/media?parent=745"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/schweiz.blog\/lb\/wp-json\/wp\/v2\/categories?post=745"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/schweiz.blog\/lb\/wp-json\/wp\/v2\/tags?post=745"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}