{"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":"was-kostet-eine-krankenkasse-in-der-schweiz","status":"publish","type":"post","link":"https:\/\/schweiz.blog\/zh_hk\/was-kostet-eine-krankenkasse-in-der-schweiz\/","title":{"rendered":"\u5728\u745e\u58eb\uff0c\u5065\u5eb7\u4fdd\u9669\u7684\u8d39\u7528\u662f\u591a\u5c11\uff1f"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><strong>\u5728\u745e\u58eb\uff0c\u5065\u5eb7\u4fdd\u9669\u7684\u8d39\u7528\u662f\u591a\u5c11\uff1f<\/strong> Diese Frage betrifft jede Person im Land, denn die Grundversicherung ist obligatorisch. Trotzdem unterscheiden sich die monatlichen Pr\u00e4mien massiv \u2013 je nach Kanton, Alter und Franchise.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Durchschnittliche Krankenkassenkosten<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u9019 <strong>monatlichen Pr\u00e4mien der Grundversicherung<\/strong> liegen ungef\u00e4hr bei:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Erwachsene:<\/strong> \u5927\u7d04. <strong>350\u2013500 CHF<\/strong><\/li>\n\n\n\n<li><strong>Junge Erwachsene:<\/strong> \u5927\u7d04. <strong>250\u2013350 CHF<\/strong><\/li>\n\n\n\n<li><strong>Kinder:<\/strong> \u5927\u7d04. <strong>90\u2013130 CHF<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Pro Jahr bedeutet das f\u00fcr Erwachsene schnell <strong>\u00fcber 4\u2019000 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\">Wovon h\u00e4ngen die Kosten ab?<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1. Wohnkanton<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Krankenkassenpr\u00e4mien unterscheiden sich stark nach Region. St\u00e4dtische Kantone sind meist teurer.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Franchise<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Je h\u00f6her die Franchise, desto tiefer die monatliche Pr\u00e4mie:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>300 CHF (teuerste Variante)<\/li>\n\n\n\n<li>2\u2019500 CHF (g\u00fcnstigste Variante)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">3. Versicherungsmodell<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Standardmodell (teuer)<\/li>\n\n\n\n<li>\u5bb6\u5ead\u91ab\u751f\u6a21\u5f0f<\/li>\n\n\n\n<li>HMO\u6a21\u5f0f<\/li>\n\n\n\n<li>Telmed\u6a21\u578b<\/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\">Grundversicherung vs. Zusatzversicherung<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">\u57fa\u672c\u4fdd\u96aa<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Gesetzlich vorgeschrieben<\/li>\n\n\n\n<li>Gleiche Leistungen bei allen Kassen<\/li>\n\n\n\n<li>Unterschied nur im Preis<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Zusatzversicherung<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Freiwillig<\/li>\n\n\n\n<li>Deckt z. B. Zahnzusatz, Spital privat, alternative Medizin<\/li>\n\n\n\n<li>Preise stark unterschiedlich<\/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\">Wie viel kann man sparen?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Viele zahlen unn\u00f6tig zu viel. Durch:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Franchise-Anpassung<\/li>\n\n\n\n<li>Modellwechsel<\/li>\n\n\n\n<li>J\u00e4hrlichen Vergleich<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">lassen sich <strong>500\u20131\u2019500 CHF pro Jahr<\/strong> sparen.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u7d50\u8ad6<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Was kostet eine Krankenkasse in der Schweiz? F\u00fcr Erwachsene solltest du realistisch <strong>350\u2013500 CHF pro Monat<\/strong> einplanen. Wer seine Versicherung optimiert, kann langfristig viel Geld sparen \u2013 ohne Leistungsverlust.<\/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    \u9664\u4e86\u9019\u500b\u90e8\u843d\u683c\uff0c\u6211\u5011\u9084\u7d93\u71df <strong>schweiz.work<\/strong>  \n    \u745e\u58eb\u670d\u52d9\u5e73\u53f0\u3002.\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      \u5ee3\u544a\u73fe\u514d\u8cbb\u520a\u767b 30 \u5929 \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\/zh_hk\/wp-json\/wp\/v2\/posts\/1386","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/schweiz.blog\/zh_hk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/schweiz.blog\/zh_hk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/zh_hk\/wp-json\/wp\/v2\/users\/274216737"}],"replies":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/zh_hk\/wp-json\/wp\/v2\/comments?post=1386"}],"version-history":[{"count":2,"href":"https:\/\/schweiz.blog\/zh_hk\/wp-json\/wp\/v2\/posts\/1386\/revisions"}],"predecessor-version":[{"id":1388,"href":"https:\/\/schweiz.blog\/zh_hk\/wp-json\/wp\/v2\/posts\/1386\/revisions\/1388"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/zh_hk\/wp-json\/wp\/v2\/media\/1383"}],"wp:attachment":[{"href":"https:\/\/schweiz.blog\/zh_hk\/wp-json\/wp\/v2\/media?parent=1386"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/schweiz.blog\/zh_hk\/wp-json\/wp\/v2\/categories?post=1386"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/schweiz.blog\/zh_hk\/wp-json\/wp\/v2\/tags?post=1386"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}