Change deductible

The law stipulates a minimum deductible of 300 CHF and a maximum deductible of 2,500 CHF for adults from 19 years of age in the basic insurance. A deductible is not applicable for children up to 18 years of age. It is possible to choose a deductible of 200, 400 or 600 CHF.

You can save basic insurance premiums by increasing your yearly deductible you can make a change at the start of every calendar year. You can find further information about the deductible here.

Check how your basic insurance premium changes with a amendment of the deductible.

» Calculate premium by amending the deductible

Only if the costs during a calendar year exceed the agreed deductible will the health insurance cover 90% of the additional costs. 10% of these costs are payable by yourself. This is called a retention. The maximum retention is 700 CHF for adults and 350 CHF for children regardless of the selected yearly deductible.