{"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":"franczyza-szwajcarskiego-ubezpieczenia-zdrowotnego-wyjasniona-w-prosty-sposob","status":"publish","type":"post","link":"https:\/\/schweiz.blog\/pl\/krankenkasse-franchise-schweiz-einfach-erklaert\/","title":{"rendered":"Odliczenie od ubezpieczenia zdrowotnego: proste wyja\u015bnienie"},"content":{"rendered":"

Franczyza to jedna z najwa\u017cniejszych koncepcji w szwajcarskim systemie opieki zdrowotnej. Wiele os\u00f3b co roku zadaje sobie to pytanie: Kt\u00f3r\u0105 franczyz\u0119 powinienem wybra\u0107 i dlaczego?<\/em><\/p>\n\n\n\n

Co oznacza franczyza?<\/strong><\/h2>\n\n\n\n

Franczyza to kwota, kt\u00f3r\u0105 op\u0142acane przez siebie rocznie<\/strong>, zanim firma ubezpieczeniowa pokryje koszty.<\/p>\n\n\n\n

Przyk\u0142ad:
Franczyza 2500 CHF \u2192 pierwsze 2500 CHF p\u0142acisz sam.<\/p>\n\n\n\n

\n\n\n\n

Jakie s\u0105 modele franczyzowe?<\/strong><\/h2>\n\n\n\n

W ramach podstawowego ubezpieczenia zdrowotnego masz do wyboru nast\u0119puj\u0105ce opcje:<\/p>\n\n\n\n

    \n
  • 300 CHF<\/strong> (najg\u0142\u0119bsza franczyza)<\/li>\n\n\n\n
  • 500 CHF<\/strong><\/li>\n\n\n\n
  • 1000 CHF<\/strong><\/li>\n\n\n\n
  • 1500 CHF<\/strong><\/li>\n\n\n\n
  • 2000 CHF<\/strong><\/li>\n\n\n\n
  • 2500 CHF<\/strong> (najwy\u017csza franczyza)<\/li>\n<\/ul>\n\n\n\n

    Istniej\u0105 ta\u0144sze modele dla dzieci.<\/p>\n\n\n\n

    \n\n\n\n

    Jak dzia\u0142a franszyza?<\/strong><\/h2>\n\n\n\n

    Gdy osi\u0105gniesz kwot\u0119 odliczenia, spraw\u0105 zajmie si\u0119 firma ubezpieczeniowa. 90 % koszt\u00f3w<\/strong>.
    P\u0142acisz tylko 10 % Nadmiar<\/strong>, maksymalnie 700 CHF rocznie<\/strong>.<\/p>\n\n\n\n

    \n\n\n\n

    Kt\u00f3r\u0105 franczyz\u0119 powinienem wybra\u0107?<\/strong><\/h2>\n\n\n\n

    1. Wysoka franczyza (2500 CHF)<\/strong><\/h3>\n\n\n\n

    Przydatne, je\u015bli:<\/p>\n\n\n\n

      \n
    • rzadko chodzisz do lekarza<\/li>\n\n\n\n
    • jeste\u015b zdrowy<\/li>\n\n\n\n
    • chcesz zaoszcz\u0119dzi\u0107 na sk\u0142adce<\/li>\n<\/ul>\n\n\n\n

      2. G\u0142\u0119boka franczyza (300 CHF)<\/strong><\/h3>\n\n\n\n

      Przydatne, je\u015bli:<\/p>\n\n\n\n

        \n
      • cz\u0119sto potrzebujesz us\u0142ug medycznych<\/li>\n\n\n\n
      • jeste\u015b przewlekle chory<\/li>\n\n\n\n
      • masz zaplanowane zabiegi<\/li>\n<\/ul>\n\n\n\n
        \n\n\n\n

        Kiedy warto zmieni\u0107 franczyz\u0119?<\/strong><\/h2>\n\n\n\n

        Tylko Mo\u017cliwe raz w roku<\/strong> \u2013 ka\u017cdy do 30 listopada<\/strong>.<\/p>\n\n\n\n

        \n\n\n\n

        Wnioski<\/strong><\/h2>\n\n\n\n

        Wyb\u00f3r odpowiedniego udzia\u0142u w\u0142asnego mo\u017ce zaoszcz\u0119dzi\u0107 sporo pieni\u0119dzy. Wa\u017cne jest, aby rozwa\u017cy\u0107, jak cz\u0119sto potrzebujesz us\u0142ug medycznych i czy mo\u017cesz sobie pozwoli\u0107 na wy\u017csze koszty w\u0142asne.<\/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\/pl\/wp-json\/wp\/v2\/posts\/644","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/schweiz.blog\/pl\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/schweiz.blog\/pl\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/pl\/wp-json\/wp\/v2\/users\/274216737"}],"replies":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/pl\/wp-json\/wp\/v2\/comments?post=644"}],"version-history":[{"count":3,"href":"https:\/\/schweiz.blog\/pl\/wp-json\/wp\/v2\/posts\/644\/revisions"}],"predecessor-version":[{"id":647,"href":"https:\/\/schweiz.blog\/pl\/wp-json\/wp\/v2\/posts\/644\/revisions\/647"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/pl\/wp-json\/wp\/v2\/media\/641"}],"wp:attachment":[{"href":"https:\/\/schweiz.blog\/pl\/wp-json\/wp\/v2\/media?parent=644"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/schweiz.blog\/pl\/wp-json\/wp\/v2\/categories?post=644"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/schweiz.blog\/pl\/wp-json\/wp\/v2\/tags?post=644"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}