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How to choose the right deductible

You can influence your healthcare costs by choosing the deductible that’s right for you. The basic rule is: if you don’t expect to spend much on healthcare costs, you should choose the highest deductible. If you expect to spend a lot on healthcare costs, then choose the lowest deductible.

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The deductible is the amount that you have to pay out of your own pocket whenever healthcare costs arise. The minimum deductible is CHF 300 for adults and CHF 0 for children.

The higher the deductible you choose, the more financial responsibility you take for your own health. It pays off by letting you save on premiums. So if you don’t expect to spend much on healthcare costs, it's worthwhile opting for a higher deductible. 

This is how much adults can save:

Annual deductible Reduction per year (maximum)
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

This is how much children can save:

Annual deductible Reduction per year (maximum)
CHF 100 CHF 70
CHF 200 CHF 140
CHF 300 CHF 210
CHF 400 CHF 280
CHF 600 CHF 420

Retention fee and co-payment

Once the deductible has been used up, we pay most of your healthcare costs. You pay a 10% retention fee, which is capped at CHF 700 per calendar year for adults aged 18 and over and CHF 350 per calendar year for children.

Frequently asked questions

What deductible should I choose?

You should take the following points into consideration when deciding which deductible is best for you. If you decide in favour of a low co-payment, your health insurance premium will be somewhat higher. To help you reach a decision, we recommend taking a look at your healthcare costs over the past few years. This will allow you to determine whether you would prefer to choose a low deductible or pay a greater share of your healthcare costs out of your own pocket.

How can the deductible be changed?

You can change your deductible with effect from 1 January each year. Please note the period of notice.

What does a higher deductible mean?

It means you need to have money set aside to cover your deductible should the worst case scenario arise. This is the amount up to which you as the policyholder must pay the costs out of your own pocket. If the total costs are higher than the deductible, the general health insurance company will pick up the tab for the remaining amount, after deducting the retention fee.

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