🛡️ Insurance & Health
Health insurance deductibles, accident and income protection.
Calculators (10)
Health Insurance Deductible Optimizer
Find the franchise (deductible) with the lowest total yearly cost for an adult.
🛡️ Insurance & HealthFranchise Break-Even Point
At what yearly healthcare cost does a lower franchise start to pay off?
🛡️ Insurance & HealthChild Health Insurance Franchise
Children’s franchise options range from CHF 0 to 600; out-of-pocket is capped at CHF 350 per year.
🛡️ Insurance & HealthMaximum Yearly Healthcare Cost
Your worst-case cost in a year: premiums, franchise, 10 % deductible and hospital contribution.
🛡️ Insurance & HealthLife Insurance Need
Estimate the coverage that protects your family’s income if you die.
🛡️ Insurance & HealthDisability Income Gap
Compare your income with benefits from IV and your pension fund if you become disabled.
🛡️ Insurance & HealthAccident Insurance (UVG) Insured Salary
See how much of your salary is covered by compulsory accident insurance.
🛡️ Insurance & HealthSalary Continuation in Sickness
How long is your employer obliged to pay when you are ill (Bernese scale)?
🛡️ Insurance & HealthInsurance Premium Comparison
What switching to a cheaper health insurer saves over several years.
🛡️ Insurance & HealthHealth Premium Increase Impact
See how annual premium increases accumulate.
Guides (11)
Swiss Health Insurance: Choosing Your Franchise and Model
How the deductible, 10 % co-payment and managed-care models affect your yearly cost.
🛡️ 6 min readSwiss Insurance Essentials: What You Need and What You Do Not
Mandatory insurance, the sensible extras and the policies that are often oversold.
🛡️ 5 min readSupplementary Health Insurance and Premium Subsidies
What supplementary insurance covers, when it pays off and how to claim cantonal premium reductions.
🛡️ 6 min readDisability and Income Protection: How Switzerland Covers You
IV, pension fund and daily sickness allowance: what they pay and where gaps appear.
🛡️ 5 min readRisk Life Insurance in Switzerland: How Much Cover Do You Need?
What AHV and the pension fund pay to survivors and how to fill the rest with term cover.
🛡️ 4 min readHow to Switch Your Health Insurer: Steps, Deadlines and Pitfalls
The yearly process for changing basic insurance and what to do with supplementary cover.
🛡️ 4 min readFamily Doctor, HMO and Telemedicine Models: Cheaper Insurance With Rules
How alternative insurance models work, who benefits and what you give up.
🛡️ 5 min readAccident Insurance (UVG) Explained: Who Is Covered and for What
Occupational and non-occupational accidents, daily allowances and what to do when you change jobs.
🛡️ 4 min readLiability and Household Insurance: What Cover Makes Sense
What the two policies protect, how to choose sums insured and common exclusions.
🛡️ 4 min readLegal Protection and Travel Insurance: Are They Worth It?
What these optional policies cover, typical exclusions and who should consider them.
🛡️ 5 min readLong-Term Care in Switzerland: What It Costs and Who Pays
Nursing home and home care costs, what health insurance and AHV contribute and how to plan.