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The deductible (or excess) together with the coinsurance percentage form the out-of-pocket expenses policyholders must pay for the benefits covered by health insurance (e.g. treatment by a doctor or in hospital and the cost of medicine). Any healthcare costs incurred up to the amount of the deductible (2,500 francs maximum) must be paid by the policyholders themselves. A coinsurance percentage of 10% must be paid towards any costs incurred in excess of the deductible. The health insurer covers the remaining cost using the premiums it receives.
Policyholders are free to choose their deductible each year. Increasing it gives them a discount on their premiums.
|Optional deductible for adults (from 18 years of age)||Maximum discount on annual premium|
|CHF 300||No discount|
|CHF 500||CHF 140|
|CHF 1,000||CHF 490|
|CHF 1,500||CHF 840|
|CHF 2,000||CHF 1,190|
|CHF 2,500||CHF 1,540|
|Optional deductible for children (up to 18 years of age)||Maximum discount on annual premium|
|CHF 0||No discount|
|CHF 100||CHF 70|
|CHF 200||CHF 140|
|CHF 300||CHF 210|
|CHF 400||CHF 280|
|CHF 500||CHF 350|
|CHF 600||CHF 420|
The health insurers themselves decide which deductibles to offer, so not all deductibles are offered by all health insurers.
You are free to choose the deductible yourself. Generally speaking, a deductible of 2,500 francs is suitable for people who never need medical treatment. People who regularly require medical treatment should consider the 300-franc deductible.
It is possible to switch to a lower deductible with effect from the beginning of the calendar year. Your health insurer must receive notice of the lower deductible in writing by the last working day in November.
You can request a higher deductible with effect from the beginning of the calendar year. Your health insurer must receive notice of the higher deductible in writing by the last working day in December.