Contribution to costs for basic health insurance

When costs arise due to medical care or medication, the policyholder must pay a contribution to these costs, i.e. pay a certain amount himself. This contribution comprises a deductible rate and retention (10 % of costs exceeding the deductible rate). Excepted from the deductible rate and retention are maternity and accidents according to federal laws on accident insurance. All employees who work more than 8 hours per week for one employer are insured against accidents. For example: A policyholder has a deductible rate of CHF 300 and his annual bills for consultations and medication total CHF 2400: Doctors bills a) Dr. Müller CHF 1300 b) Dr. Meier CHF 700 c) Medication Generic medication Original medication CHF CHF 200 200 Total CHF 2400 Health insurance settlement His medicinal costs: CHF 2400 - Deductible rate CHF 300 Subtotal for retention: CHF 2100 - - - 10% of doctors bills* 10% generic medication 20% original medication CHF CHF CHF 170 20 40 The health insurance company will cover CHF 1870 * Assumption: The doctors bills exceed the deductible rate of CHF 300. This means that the retention of 20% for original medication takes full effect.