{"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":"qual-o-preco-do-seguro-de-saude-na-suica","status":"publish","type":"post","link":"https:\/\/schweiz.blog\/pt\/was-kostet-eine-krankenkasse-in-der-schweiz\/","title":{"rendered":"Quanto custa um seguro de sa\u00fade na Su\u00ed\u00e7a?"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><strong>Quanto custa um seguro de sa\u00fade na Su\u00ed\u00e7a?<\/strong> Essa quest\u00e3o afeta todos no pa\u00eds, j\u00e1 que o seguro sa\u00fade b\u00e1sico \u00e9 obrigat\u00f3rio. No entanto, os valores das mensalidades variam bastante, dependendo do cant\u00e3o, da idade e da franquia.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Custos m\u00e9dios do seguro de sa\u00fade<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">O <strong>pr\u00eamios mensais para seguro sa\u00fade b\u00e1sico<\/strong> s\u00e3o aproximadamente:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Adulto:<\/strong> aproximadamente. <strong>350\u2013500 CHF<\/strong><\/li>\n\n\n\n<li><strong>Jovens adultos:<\/strong> aproximadamente. <strong>250\u2013350 CHF<\/strong><\/li>\n\n\n\n<li><strong>Crian\u00e7as:<\/strong> aproximadamente. <strong>90\u2013130 CHF<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Para os adultos, isso se traduz rapidamente em um ano de cada vez. <strong>mais de 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\">De que dependem os custos?<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1. Cant\u00e3o de resid\u00eancia<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Os pre\u00e7os dos planos de sa\u00fade variam muito de regi\u00e3o para regi\u00e3o. Nos cant\u00f5es urbanos, costumam ser mais caros.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Franquia<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Quanto maior o n\u00edvel da franquia, menor o pr\u00eamio mensal:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>300 CHF (op\u00e7\u00e3o mais cara)<\/li>\n\n\n\n<li>2.500 CHF (op\u00e7\u00e3o mais barata)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">3. Modelo de seguro<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Modelo padr\u00e3o (caro)<\/li>\n\n\n\n<li>modelo de m\u00e9dico de fam\u00edlia<\/li>\n\n\n\n<li>Modelo HMO<\/li>\n\n\n\n<li>Modelo 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\">Seguro b\u00e1sico versus seguro complementar<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Seguro b\u00e1sico<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Exigido por lei<\/li>\n\n\n\n<li>Os mesmos benef\u00edcios para todos os planos de sa\u00fade.<\/li>\n\n\n\n<li>A \u00fanica diferen\u00e7a \u00e9 o pre\u00e7o.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Seguro adicional<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Voluntariamente<\/li>\n\n\n\n<li>Abrange, por exemplo, seguro odontol\u00f3gico complementar, interna\u00e7\u00f5es em hospitais particulares e medicina alternativa.<\/li>\n\n\n\n<li>Os pre\u00e7os variam muito<\/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\">Quanto voc\u00ea pode economizar?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Muitas pessoas pagam pre\u00e7os desnecessariamente altos. Isso se deve a:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Adapta\u00e7\u00e3o de franquia<\/li>\n\n\n\n<li>Mudan\u00e7a de modelo<\/li>\n\n\n\n<li>Compara\u00e7\u00e3o anual<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">pode ser <strong>500\u20131.500 CHF por ano<\/strong> salvar.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Conclus\u00e3o<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Quanto custa o seguro de sa\u00fade na Su\u00ed\u00e7a? Para adultos, \u00e9 preciso ser realista. <strong>350\u2013500 CHF por m\u00eas<\/strong> Planeje com anteced\u00eancia. Otimizar seu seguro pode economizar muito dinheiro a longo prazo, sem perda de benef\u00edcios.<\/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    Para al\u00e9m deste blogue, tamb\u00e9m temos <strong>schweiz.work<\/strong>  \n    uma plataforma de servi\u00e7os na Su\u00ed\u00e7a.\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 an\u00fancio atual gratuito durante 30 dias \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\/pt\/wp-json\/wp\/v2\/posts\/1386","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/schweiz.blog\/pt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/schweiz.blog\/pt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/pt\/wp-json\/wp\/v2\/users\/274216737"}],"replies":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/pt\/wp-json\/wp\/v2\/comments?post=1386"}],"version-history":[{"count":2,"href":"https:\/\/schweiz.blog\/pt\/wp-json\/wp\/v2\/posts\/1386\/revisions"}],"predecessor-version":[{"id":1388,"href":"https:\/\/schweiz.blog\/pt\/wp-json\/wp\/v2\/posts\/1386\/revisions\/1388"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/pt\/wp-json\/wp\/v2\/media\/1383"}],"wp:attachment":[{"href":"https:\/\/schweiz.blog\/pt\/wp-json\/wp\/v2\/media?parent=1386"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/schweiz.blog\/pt\/wp-json\/wp\/v2\/categories?post=1386"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/schweiz.blog\/pt\/wp-json\/wp\/v2\/tags?post=1386"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}