Choosing your Krankenkasse and deductible

The franchise (deductible) is the amount you pay out-of-pocket before insurance kicks in. Choosing the right franchise can save you CHF 1,000+ per year.

Step by step

1. 1

   Understand the franchise options

   Adults choose between CHF 300, 500, 1,000, 1,500, 2,000, or 2,500. Children: CHF 0, 100, 200, 300, 400, 500, or 600.

2. 2

   Calculate the break-even point

   High franchise (CHF 2,500): lowest monthly premium but you pay the first CHF 2,500 of medical costs. Best for healthy people. Low franchise (CHF 300): highest premium but minimal out-of-pocket. Best if you expect regular medical costs.

3. 3

   Compare insurance models

   Standard: see any doctor. Hausarzt: must go through your GP first (saves 10–15%). HMO: must use a specific medical center (saves 15–20%). Telmed: call a hotline first (saves 10–15%).

4. 4

   Switch annually if needed

   You can switch insurers every year. Give notice by 30 November for the next calendar year. Basic coverage is identical across all providers.