Health Insurance Deductible Optimizer

Find the franchise (deductible) with the lowest total yearly cost for an adult.

Best franchiseCHF 2500

Franchise	Premiums / year	Out-of-pocket	Total
300	CHF 4’680	CHF 390	CHF 5’070
500	CHF 4’560	CHF 570	CHF 5’130
1’000	CHF 4’260	CHF 1’020	CHF 5’280
1’500	CHF 4’020	CHF 1’200	CHF 5’220
2’000	CHF 3’780	CHF 1’200	CHF 4’980
2’500	CHF 3’540	CHF 1’200	CHF 4’740

Franchise – Premiums / year + Out-of-pocket

Learn more

How the deductible, 10 % co-payment and managed-care models affect your yearly cost.

What supplementary insurance covers, when it pays off and how to claim cantonal premium reductions.

The yearly process for changing basic insurance and what to do with supplementary cover.

At what yearly healthcare cost does a lower franchise start to pay off?

Children’s franchise options range from CHF 0 to 600; out-of-pocket is capped at CHF 350 per year.

Your worst-case cost in a year: premiums, franchise, 10 % deductible and hospital contribution.

Estimate the coverage that protects your family’s income if you die.

Compare your income with benefits from IV and your pension fund if you become disabled.

See how much of your salary is covered by compulsory accident insurance.