Which deductible is right for you?
A higher deductible lowers your premium but increases your out-of-pocket costs in case of illness. The calculator compares both — adjust your expected annual costs and see the most economical tier immediately.
Costs & Insurance / Deductible Calculator
| Deductible | Premium/year | Premium discount/year | Out-of-pocket | Total/year |
|---|---|---|---|---|
| CHF 300 | CHF 3'960 | CHF 420 | CHF 4'380 | |
| CHF 500 | CHF 3'820 | CHF 600 | CHF 4'420 | |
| CHF 1'000 | CHF 3'470 | CHF 1'050 | CHF 4'520 | |
| CHF 1'500 | CHF 3'120 | CHF 1'500 | CHF 4'620 | |
| CHF 2'000 | CHF 2'770 | CHF 1'500 | CHF 4'270 | |
| CHF 2'500 | CHF 2'420 | CHF 1'500 | CHF 3'920most economical |
Most economical for you: deductible CHF 2'500 — around CHF 3'920 per year.
Guidance, not a binding calculation. Premium discounts are pre-filled with Swiss reference values and can be overwritten in the table — enter your actual quoted premiums for an accurate result. Co-payment: 10% above the deductible, maximum CHF 700 per year (adults).
How the calculation works
You bear the cost of the mandatory basic insurance in two ways: the fixed monthly premium and, if you become ill, your share of the costs. This share of the costs consists of the deductible — up to that amount, you pay everything yourself — plus a 10% coinsurance on everything above it, capped at CHF 700 per year. If you are hospitalised as an inpatient, an additional contribution of CHF 15 per day is added on top. A high deductible is worthwhile if you rarely incur costs; a low deductible is worthwhile if you need to see a doctor regularly or frequently.
And what does that mean for your next appointment?
I will show you the right specialty — and practices that match your insurance model.