In Switzerland, you have to pay an own contribution for certain services in the hospital, at the specialist or for some medication. This Share in the costs consists of the so-called franchise and a deductible of ten percent.
The franchise is paid once a year and, depending on the amount, you decide how much additional payment you want to take on in the event of illness, for example. The minimum amount of the franchise is CHF 300 and can be expanded to CHF 2500.
The higher the franchise amount, the lower the monthly cost of health insurance premiums.
Nevertheless, the premiums are still very different in the whole comparison. That is why it is advisable to compare the different offers of the health insurance companies in detail. Find out how the franchise affects your tariff and how it relates to the services and additional payments!
A comparison can be profitable for you, because many health insurance companies in Switzerland grant you lucrative depending on the franchise Discounts, These were again set by the Swiss Federal Council in 2019 and offer you the opportunity to save some money if you are willing to pay a higher franchise.
Of course, the amount of the franchise to be paid annually must also match your financial resources. Many clients prefer to pay the health insurer a little more a month than a single large amount once a year. You can also rely on the health insurance company to cover all of the benefits.
Tip: So take enough time before making a final decision!