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InsuranceHealth insuranceIncrease your deductible now and save on premiums

Increase your deductible now and save on premiums

By Felix Schneuwly


Source: iStock / Rowan Jordan

Switching insurance provider and selecting an alternative insurance model are not the only ways for policyholders to save in 2021. Choosing the maximum deductible of 2,500 francs will knock 1,540 francs off your annual premium. The deductible calculator from Comparis can help you make the right decision.

If you're healthy and don’t expect to require much, if any, medical treatment next year, you can increase your deductible and keep your health insurance premiums down. Switching to the maximum deductible of 2,500 francs pays off if your healthcare costs for the year are 1,840 francs or less. The deductible is the amount a policyholder must contribute towards their medical treatment costs along with a fixed coinsurance amount of 10%.

The minimum deductible is 300 francs and the maximum 2,500 francs. If you choose the maximum deductible of 2,500 francs, you can save 1,540 francs next year. As cases of coronavirus infections increase, many policyholders may be wondering whether it is worth the risk. But remember: you can change your deductible each year. If you are interested in increasing your deductible for 2021 in order to lower your premiums, you have until 31 December to notify your health insurer of the change. However, if you wish to lower your deductible, your insurer must be informed before the end of November. There is a function for requesting a reminder in our premium calculator

Review your deductible now


Felix Schneuwly

Health & health insurance expert

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