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InsuranceHealth insuranceGlossaryDeductible
Glossary

Deductible (franchise)

What is a deductible ("franchise")?

Policyholders are required to bear a portion of their treatment costs (doctor, hospital, medication, etc.) themselves. The deductible is one part of this. Here we explain what you need to know about the deductible and how to choose the right one.

Everyone resident in Switzerland is obliged to take out a basic health insurance policy. This covers the cost of a range of benefits. Policyholders must make a contribution to these costs in addition to the premiums they pay. These out-of-pocket expenses include the deductible (referred to as franchise in Switzerland) as well as an additional coinsurance of 10%. The breakdown of out-of-pocket expenses is regulated by the Health Insurance Act (KVG/LAMal, Art. 64). (Premium analysis by comparis.ch (in German, French and Italian only)

More key information on the deductible

  • The deductible must only be paid once per calendar year when you make a claim.
  • The deductible is 300 francs minimum for adults and 0 francs for children.
  • If you switch to a different health insurer during the year, your new insurer will take into account any deductible and coinsurance already paid.
  • Pregnant women do not have to pay any out-of-pocket expenses from the 13th week of pregnancy until eight weeks after the birth.
  • It is possible to switch to a lower or higher deductible with effect from the beginning of the calendar year.
  • Policyholders are free to choose a higher deductible in order to lower their premiums. This is only worth it for people with low healthcare costs.

 Find the right health insurance

 How to reduce your deductible

It is possible to switch to a lower deductible with effect from the beginning of the calendar year. The health insurer must be notified in writing of the required lower deductible by 30 November (or the last working day in November). The day on which the letter arrives at the insurer is the date that counts. It’s only worth choosing a lower deductible if you have high healthcare costs (Premium analysis by comparis.ch (in German, French and Italian only)).  

How to increase your deductible

You can request a higher deductible with effect from the beginning of the calendar year. The health insurer must be notified in writing of the required higher deductible by 31 December (or the last working day in December). Don't forget to take the holidays into account. The day on which the letter arrives at the insurer is the date that counts.

How to choose your deductible

Policyholders are free to choose a higher deductible in order to lower their premiums. In any case, the reduced premium may not be less than 50% of the standard premium (300 franc deductible for adults / 0 francs for children with accident cover). This also applies to alternative insurance models.

 

  • The following deductibles are available:
    • Children (up to 18 years):
    • CHF 0
    • CHF 100
    • CHF 200
    • CHF 300
    • CHF 400
    • CHF 500
    • CHF 600
    • Young adults (19–25 years) and adults (26 years or older):
    • CHF 300
    • CHF 500
    • CHF 1,000
    • CHF 1,500
    • CHF 2,000
    • CHF 2,500
  • The health insurers themselves decide which deductibles to offer.
  • Example:
    • Company A offers all deductibles (300, 500, 1,000, 1,500, 2,000, 2,500 francs).
    • Company B only offers the standard deductible (300 francs) and two optional deductibles (1,000, 2,500 francs).

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