Change your deductible (franchise)
Your deductible drives your premium. The right choice weighs premium against treatment risk.
How the deductible works
In basic insurance, adults bear an annual deductible (franchise) of between 300 and 2500 CHF. A higher deductible lowers the premium but increases your own share when you receive treatment.
On top comes the co-payment (quote-part): 10% of costs, capped at 700 CHF per year for adults. These thresholds are statutory and identical at every insurer.
Which deductible to choose?
There is no universal answer: it depends on your expected need for treatment. Compare both scenarios across the year.
Frequently asked questions
Quelle est la fourchette de franchise pour un adulte ?
De 300 à 2500 CHF par an pour l'assurance de base.
La quote-part est-elle plafonnée ?
Oui. La quote-part est de 10 % des frais au-delà de la franchise, plafonnée à 700 CHF par an pour un adulte.