Switzerland's healthcare system requires compulsory basic health insurance (LAMal/KVG). Choosing your deductible (Franchise) is the single most effective way to manage your monthly premiums.
What is a Deductible (Franchise)?
The deductible is the initial out-of-pocket amount you must pay for medical treatment each calendar year before insurance coverage begins.
For adults, the standard minimum deductible is CHF 300. You can opt to increase it up to CHF 2,500 in exchange for lower monthly premiums.
Co-insurance (10%)
Once your medical bills exceed your chosen deductible, insurance covers 90%. You pay a 10% co-insurance (copayment), capped at a maximum of CHF 700 per year for adults.
How to Pick the Best Deductible
- CHF 2,500 Deductible: Best for healthy individuals with annual medical expenses below CHF 2,000.
- CHF 300 Deductible: Best for individuals expecting annual medical expenses above CHF 2,000.
Tag correlati:
#deductible
#franchise
#swiss health insurance
#expats
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