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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)
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.