How the KVG/LAMal deductible works
The deductible (franchise) is the annual amount of health-care costs you pay yourself before the insurer steps in. The statutory levels for adults range from 300 to 2500 CHF. The higher the deductible, the lower the monthly premium — the insurer takes on less risk.
Beyond the deductible, you still pay a co-payment (quote-part) of 10% of costs, capped at 700 CHF per year for an adult. These thresholds are set by law and identical at every insurer.
Which deductible level to choose?
The calculation is simple: a high deductible (2500 CHF) suits you if you have few health-care costs over the year — the saving on the premium then exceeds the risk. A low deductible (300 CHF) protects you better in case of high and regular costs.
The tipping point
Estimate your usual annual health-care costs. If you use few treatments, the maximum deductible reduces your premium with no real risk. Our savings score helps you visualise this threshold for your canton.
When to change your deductible?
Changing the deductible for the following year follows the same deadline as switching insurer: the request must be received by 30 November at the latest, to take effect on 1 January. You can change your deductible without switching insurer.
Frequently asked questions
What deductible levels are possible?
For adults: 300, 500, 1000, 1500, 2000 and 2500 CHF. The higher the deductible, the lower the premium.
Can I change my deductible without switching insurer?
Yes. It is a separate request, to be sent to your current insurer before 30 November for the following year.