{"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":"franciza-elvetiana-de-asigurari-de-sanatate-explicata-simplu","status":"publish","type":"post","link":"https:\/\/schweiz.blog\/ro\/krankenkasse-franchise-schweiz-einfach-erklaert\/","title":{"rendered":"Fran\u0219iza de asigurare de s\u0103n\u0103tate: explicat\u0103 simplu"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Franciza este unul dintre cele mai importante concepte din sistemul de s\u0103n\u0103tate elve\u021bian. Mul\u021bi oameni se confrunt\u0103 cu aceast\u0103 \u00eentrebare \u00een fiecare an: <em>Ce franciz\u0103 ar trebui s\u0103 aleg \u0219i de ce?<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Ce \u00eenseamn\u0103 franciz\u0103?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Franciza este suma pe care o <strong>pl\u0103tite de ei \u00een\u0219i\u0219i pe an<\/strong>, \u00eenainte ca firma de asigur\u0103ri de s\u0103n\u0103tate s\u0103 acopere costurile.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Exemplu:<br>Franciz\u0103 2.500 CHF \u2192 primii 2.500 CHF \u00eei pl\u0103ti\u021bi dumneavoastr\u0103.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Ce modele de franciz\u0103 exist\u0103?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Urm\u0103toarele op\u021biuni v\u0103 stau la dispozi\u021bie \u00een cadrul asigur\u0103rii de s\u0103n\u0103tate de baz\u0103:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>300 CHF<\/strong> (cea mai profund\u0103 franciz\u0103)<\/li>\n\n\n\n<li><strong>500 CHF<\/strong><\/li>\n\n\n\n<li><strong>1.000 CHF<\/strong><\/li>\n\n\n\n<li><strong>1.500 CHF<\/strong><\/li>\n\n\n\n<li><strong>2.000 CHF<\/strong><\/li>\n\n\n\n<li><strong>2.500 CHF<\/strong> (cea mai mare franciz\u0103)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Exist\u0103 modele mai ieftine pentru copii.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Cum func\u021bioneaz\u0103 deductibila?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Odat\u0103 ce a\u021bi atins fran\u0219iza, compania de asigur\u0103ri de s\u0103n\u0103tate va prelua controlul. <strong>90 % din costuri<\/strong>.<br>Pl\u0103te\u0219ti doar <strong>10 % Exces<\/strong>, maxim <strong>700 CHF pe an<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Ce franciz\u0103 ar trebui s\u0103 aleg?<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. Franciz\u0103 mare (2.500 CHF)<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Util dac\u0103:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>rar mergi la medic<\/li>\n\n\n\n<li>e\u0219ti s\u0103n\u0103tos<\/li>\n\n\n\n<li>vrei s\u0103 economise\u0219ti bani la prim\u0103<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Franciz\u0103 extins\u0103 (300 CHF)<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Util dac\u0103:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ai nevoie adesea de servicii medicale<\/li>\n\n\n\n<li>e\u0219ti bolnav cronic<\/li>\n\n\n\n<li>a\u021bi planificat tratamente<\/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\"><strong>C\u00e2nd merit\u0103 s\u0103 schimbi franciza?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Numai <strong>Posibil o dat\u0103 pe an<\/strong> \u2013 fiecare p\u00e2n\u0103 <strong>30 noiembrie<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Concluzie<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Alegerea fran\u0219izei potrivite v\u0103 poate economisi mul\u021bi bani. Este important s\u0103 lua\u021bi \u00een considerare c\u00e2t de des ave\u021bi nevoie de servicii medicale \u0219i dac\u0103 v\u0103 pute\u021bi permite costuri mai mari din propriul buzunar.<\/p>","protected":false},"excerpt":{"rendered":"Die Franchise ist einer der wichtigsten Begriffe im Schweizer Gesundheitssystem. Viele stehen jedes Jahr vor der Frage: Welche&hellip;","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\/ro\/wp-json\/wp\/v2\/posts\/644","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/schweiz.blog\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/schweiz.blog\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/ro\/wp-json\/wp\/v2\/users\/274216737"}],"replies":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/ro\/wp-json\/wp\/v2\/comments?post=644"}],"version-history":[{"count":3,"href":"https:\/\/schweiz.blog\/ro\/wp-json\/wp\/v2\/posts\/644\/revisions"}],"predecessor-version":[{"id":647,"href":"https:\/\/schweiz.blog\/ro\/wp-json\/wp\/v2\/posts\/644\/revisions\/647"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/ro\/wp-json\/wp\/v2\/media\/641"}],"wp:attachment":[{"href":"https:\/\/schweiz.blog\/ro\/wp-json\/wp\/v2\/media?parent=644"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/schweiz.blog\/ro\/wp-json\/wp\/v2\/categories?post=644"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/schweiz.blog\/ro\/wp-json\/wp\/v2\/tags?post=644"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}