{"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":"declaracao-de-franquia-de-seguro-de-saude-suico","status":"publish","type":"post","link":"https:\/\/schweiz.blog\/pt\/krankenkasse-schweiz-franchise-erklaerung\/","title":{"rendered":"Seguro de sa\u00fade su\u00ed\u00e7o: franquias, modelos e como economizar dinheiro"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Escolher a franquia certa \u00e9 uma das decis\u00f5es financeiras mais importantes no sistema de sa\u00fade su\u00ed\u00e7o. Muitas pessoas pagam pr\u00eamios desnecessariamente altos todos os anos porque escolhem a franquia errada ou n\u00e3o otimizam seu plano de sa\u00fade. Este artigo explica as franquias e os planos, e mostra como economizar de forma eficaz.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">O que \u00e9 a franquia?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A franquia \u00e9 o valor que os segurados pagam do pr\u00f3prio bolso anualmente antes que a seguradora de sa\u00fade cubra os custos. Na Su\u00ed\u00e7a, as franquias padr\u00e3o s\u00e3o as seguintes:<\/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\">Como escolher a franquia certa?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A regra b\u00e1sica \u00e9 simples:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Franquia completa (300 CHF)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u00datil se:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>consultas m\u00e9dicas regulares<\/li>\n\n\n\n<li>doen\u00e7as cr\u00f4nicas<\/li>\n\n\n\n<li>medicamentos caros<\/li>\n\n\n\n<li>altos custos m\u00e9dicos por ano<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Franquia alta (CHF 2.500)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u00datil se:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Quase nenhuma consulta m\u00e9dica.<\/li>\n\n\n\n<li>perfil de risco saud\u00e1vel<\/li>\n\n\n\n<li>custos m\u00ednimos de medicamentos<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Com uma franquia alta, muitos economizam entre 800 e 1.500 francos anualmente em pr\u00eamios.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Modelos b\u00e1sicos de seguro<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">O seguro de sa\u00fade b\u00e1sico su\u00ed\u00e7o oferece v\u00e1rios modelos de poupan\u00e7a:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">modelo de m\u00e9dico de fam\u00edlia<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">O m\u00e9dico de fam\u00edlia \u00e9 o primeiro ponto de contato.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Modelo Telmed<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Primeiro, entre em contato com um centro de aconselhamento m\u00e9dico por telefone.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Modelo HMO<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Tratamento em um consult\u00f3rio de grupo espec\u00edfico.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Modelo padr\u00e3o<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Livre escolha do m\u00e9dico, pr\u00eamios mais altos.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Quando vale a pena trocar de operadora de plano de sa\u00fade?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A mudan\u00e7a vale a pena se:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>pr\u00eamios acima da m\u00e9dia<\/li>\n\n\n\n<li>Ap\u00f3lices de seguro adicionais desnecess\u00e1rias<\/li>\n\n\n\n<li>Mudan\u00e7a de resid\u00eancia<\/li>\n\n\n\n<li>melhores ofertas de outras seguradoras<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">A mudan\u00e7a \u00e9 <strong>anualmente at\u00e9 30 de novembro<\/strong> poss\u00edvel (com modelo padr\u00e3o).<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Dicas para economizar dinheiro<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Escolha uma franquia de forma consciente.<\/li>\n\n\n\n<li>Compare calculadoras de pr\u00eamios<\/li>\n\n\n\n<li>Analise criticamente as ap\u00f3lices de seguro suplementar.<\/li>\n\n\n\n<li>Utilize modelos de poupan\u00e7a<\/li>\n\n\n\n<li>Confira as redu\u00e7\u00f5es de pre\u00e7o premium<\/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\">Conclus\u00e3o<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">O sistema de franquias \u00e9 um fator crucial nos custos do sistema de sa\u00fade su\u00ed\u00e7o. Quem avalia suas necessidades de forma realista pode economizar consideravelmente nos pr\u00eamios anuais.<\/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\/pt\/wp-json\/wp\/v2\/posts\/745","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=745"}],"version-history":[{"count":2,"href":"https:\/\/schweiz.blog\/pt\/wp-json\/wp\/v2\/posts\/745\/revisions"}],"predecessor-version":[{"id":749,"href":"https:\/\/schweiz.blog\/pt\/wp-json\/wp\/v2\/posts\/745\/revisions\/749"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/pt\/wp-json\/wp\/v2\/media\/748"}],"wp:attachment":[{"href":"https:\/\/schweiz.blog\/pt\/wp-json\/wp\/v2\/media?parent=745"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/schweiz.blog\/pt\/wp-json\/wp\/v2\/categories?post=745"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/schweiz.blog\/pt\/wp-json\/wp\/v2\/tags?post=745"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}