{"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":"het-zwitserse-franchisesysteem-voor-zorgverzekeringen-eenvoudig-uitgelegd","status":"publish","type":"post","link":"https:\/\/schweiz.blog\/nl\/krankenkasse-franchise-schweiz-einfach-erklaert\/","title":{"rendered":"Eigen risico bij zorgverzekering: eenvoudig uitgelegd"},"content":{"rendered":"

De franchise is een van de belangrijkste concepten in het Zwitserse gezondheidszorgsysteem. Veel mensen stellen zich jaarlijks de volgende vraag: Welke franchise moet ik kiezen en waarom?<\/em><\/p>\n\n\n\n

Wat betekent franchise?<\/strong><\/h2>\n\n\n\n

De franchise is het bedrag dat u zelf betaald per jaar<\/strong>, voordat de zorgverzekeraar de kosten vergoedt.<\/p>\n\n\n\n

Voorbeeld:
Franchise 2.500 CHF \u2192 u betaalt de eerste 2.500 CHF zelf.<\/p>\n\n\n\n

\n\n\n\n

Welke franchisemodellen zijn er?<\/strong><\/h2>\n\n\n\n

De volgende opties zijn beschikbaar binnen uw basis ziektekostenverzekering:<\/p>\n\n\n\n

    \n
  • 300 CHF<\/strong> (diepste 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> (hoogste franchise)<\/li>\n<\/ul>\n\n\n\n

    Er zijn goedkopere modellen voor kinderen.<\/p>\n\n\n\n

    \n\n\n\n

    Hoe werkt het eigen risico?<\/strong><\/h2>\n\n\n\n

    Zodra je je eigen risico hebt bereikt, neemt de zorgverzekeraar de kosten over. 90 % van de kosten<\/strong>.
    U betaalt alleen 10 % Overtollig<\/strong>, maximaal 700 CHF per jaar<\/strong>.<\/p>\n\n\n\n

    \n\n\n\n

    Welke franchise moet ik kiezen?<\/strong><\/h2>\n\n\n\n

    1. Hoge franchise (CHF 2.500)<\/strong><\/h3>\n\n\n\n

    Handig als:<\/p>\n\n\n\n

      \n
    • Je gaat zelden naar de dokter.<\/li>\n\n\n\n
    • Je bent gezond.<\/li>\n\n\n\n
    • je wilt geld besparen op de premie<\/li>\n<\/ul>\n\n\n\n

      2. Diepe franchise (300 CHF)<\/strong><\/h3>\n\n\n\n

      Handig als:<\/p>\n\n\n\n

        \n
      • Je hebt vaak medische hulp nodig.<\/li>\n\n\n\n
      • U bent chronisch ziek.<\/li>\n\n\n\n
      • U heeft behandelingen gepland staan.<\/li>\n<\/ul>\n\n\n\n
        \n\n\n\n

        Wanneer is het de moeite waard om van franchise te wisselen?<\/strong><\/h2>\n\n\n\n

        Alleen Mogelijk \u00e9\u00e9n keer per jaar<\/strong> \u2013 elk tot 30 november<\/strong>.<\/p>\n\n\n\n

        \n\n\n\n

        Conclusie<\/strong><\/h2>\n\n\n\n

        Het kiezen van het juiste eigen risico kan u veel geld besparen. Het is belangrijk om te overwegen hoe vaak u medische zorg nodig heeft en of u hogere kosten uit eigen zak kunt betalen.<\/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\/nl\/wp-json\/wp\/v2\/posts\/644","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/schweiz.blog\/nl\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/schweiz.blog\/nl\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/nl\/wp-json\/wp\/v2\/users\/274216737"}],"replies":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/nl\/wp-json\/wp\/v2\/comments?post=644"}],"version-history":[{"count":3,"href":"https:\/\/schweiz.blog\/nl\/wp-json\/wp\/v2\/posts\/644\/revisions"}],"predecessor-version":[{"id":647,"href":"https:\/\/schweiz.blog\/nl\/wp-json\/wp\/v2\/posts\/644\/revisions\/647"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/nl\/wp-json\/wp\/v2\/media\/641"}],"wp:attachment":[{"href":"https:\/\/schweiz.blog\/nl\/wp-json\/wp\/v2\/media?parent=644"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/schweiz.blog\/nl\/wp-json\/wp\/v2\/categories?post=644"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/schweiz.blog\/nl\/wp-json\/wp\/v2\/tags?post=644"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}