Quick overview
deductible health insurance Switzerland – which level is worth it in 2025? Forget the six confusing variations. Add up the premium + deductible + deductible
Quick overview
What matters before you switch
In many cases, the two extremes are particularly worthwhile when it comes to franchises: CHF 300 or CHF 2,500. In between, the premium often increases more than your financial risk decreases.
- CHF 300 is more suitable for regular medical expenses or planned treatments.
- CHF 2,500 often makes sense for healthy people with financial reserves.
- The decisive factor is always the total calculation of the premium, deductible and deductible.
Quick overview
deductible health insurance Switzerland– which level is worth it in 2025? Forget the six confusing variations. Add up the premium + deductible + deductible: almost everyone saves CHF 300 or CHF 2,500. This quick guide shows the bill in everyday language.
1. This is how the deductible works
Thedeductibleis your own contribution per calendar year before the basic insurance pays. There are six levels, but adults usually choose the extremes:
- CHF 300– higher premium, lower risk
- CHF 2,500– low premium, higher risk
After reaching the deductible, you continue to pay a 10% deductible (max. CHF 700). Worst case per year:
- Plan CHF 300 → maximumCHF 1,000
- Plan CHF 2,500 → maximumCHF 3,200
2. Your real annual costs
A “cheap” monthly premium is only part of the equation. Use this formula:
Annual costs = (monthly premium × 12) + actual deductible paid + deductible
Medium franchises (CHF 500, 1,000, etc.) make the premium significantly more expensive, but hardly reduce the risk - the bottom line is that you often pay more.
3. CHF 300 vs 2,500 – which suits you?
- Choose CHF 300, if you expect bills of around CHF 1,900 (regular medication, physio, planned surgery, many doctor's visits).
- Choose CHF 2,500, if you are healthy, rarely have to go to the doctor and have an emergency fund of CHF 3,200 ready.
Conclusion:If you expect high expenses, take CHF 300. If you are healthy and can cope with a risk of CHF 3,200, take CHF 2,500 and save monthly.
Need a quick, data-based recommendation?Contact us. We'll do the math for you and show you the cheapest, safe option.
FAQ
More questions on this topic
Can I change the deductible every year?
Yes. Termination by November 30th; The new deductible applies from January 1st.
Does an HMO or Telmed model change the bill?
The premiums fall, but the comparison between CHF 300 and 2,500 remains almost the same.
Does pregnancy count as a deductible?
No. Preventive care, birth and aftercare are covered without a deductible and without a deductible.
What happens if bills are extremely high?
You pay a maximum deductible + CHF 700 deductible; The fund will then cover 100% of the covered costs.
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