Which deductible pays off for you?

For each deductible, the calculator adds up the annual premium for your chosen insurer and model and what you pay yourself for the estimated costs: first the deductible, then a 10 % retention up to a maximum of CHF 700 per year (children CHF 350). The deductible with the lowest total is the cheapest for you.

All bills covered by basic insurance: doctor, outpatient hospital treatment, prescription medicines, physiotherapy, laboratory etc. A good guide is your health insurer's statement of benefits from last year. The premium and benefits from supplementary insurance are not included.

That depends on the insurer, model and region, because the discounts for higher deductibles vary. Under “Which deductible suits which costs?” the calculator shows you exactly the amount at which the best choice changes. For adults, the threshold is often around CHF 2'000 of costs per year.

The change always applies from 1 January. You must apply for a higher deductible by 31 December at the latest and for a lower one by 30 November at the latest. You can use our sample letter for the deductible.

The contribution to hospital costs of CHF 15 per day for a hospital stay, discounts for families or multi-year contracts for supplementary insurance, and premium reductions. Maternity benefits are exempt from the deductible and retention. Only the health insurer's quote is binding.