The law stipulates a minimum deductible of CHF 300 and a maximum deductible of CHF 2,500 for adults from 19 years of age for basic insurance. A deductible is not applicable for children up to 18 years of age. It is possible to choose a deductible of CHF 200, 400 or 600.
You can save on basic insurance premiums by increasing your annual deductible. You can make a change at the start of every calendar year. Check here how your basic health insurance premiums will change if you adjust your deductible.
Only if the costs during a calendar year exceed the agreed deductible will the health insurance cover 90% of the additional costs. You must pay 10% of these costs. This is called the excess. The maximum excess is CHF 700 for adults and CHF 350 for children, regardless of the selected annual deductible.
More information about the deductible and excess
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