Compare Swiss basic health insurance deductibles to find the optimal annual franchise for your individual medical situation. Use the interactive comparison tool and cost curve below to simulate annual premiums, deductibles, and out of pocket copays across different healthcare expenditure levels.
Swiss Health Insurance Franchise Comparison
Simulate total annual costs (premiums + franchise + 10% copay) and discover your exact break even threshold between deductibles.
At estimated medical bills of 1,200 CHF, Franchise 2,500 delivers the lowest total annual cost, saving you money over the year.
Total Annual Cost Curve
Includes fixed annual premium, paid deductible franchise, and 10% copay up to statutory limit.
Comprehensive Risk Comparison
Comparison of minimum and maximum possible financial outlays under Swiss health insurance law (KVG), including the 10% copay up to 700 CHF.
| Cost Factor | Franchise 300 | Franchise 2,500 |
|---|---|---|
| Monthly Premium | 331 CHF | 221 CHF |
| Annual Premium (Fixed Expense) | 3,972 CHF | 2,652 CHF |
| Selected Deductible (Franchise) | 300 CHF | 2,500 CHF |
| Maximum 10% Copay (Selbstbehalt) | 700 CHF | 700 CHF |
| Minimum Annual Cost (Zero Doctor Visits) | 3,972 CHF | 2,652 CHF |
| Maximum Annual Cost (Worst Case Serious Illness) | 4,972 CHF | 5,852 CHF |
| Maximum Additional Financial Risk (vs Franchise 300) | Baseline (0 CHF) | +880 CHF |
When is Franchise 300 the Right Choice?
If you take regular prescription medication, have chronic conditions, plan hospital treatments or maternity care, or anticipate that your healthcare bills will exceed approximately 1,800 CHF in the coming calendar year.
When is Franchise 2,500 the Right Choice?
If you are in good general health and rarely visit doctors. Important rule: Keep an emergency liquidity reserve of at least 3,200 CHF readily available (2,500 CHF deductible plus 700 CHF copay) in case of sudden unexpected medical needs.
