Swiss health insurance deductible—which one is best for 2025? Forget the six confusing levels. Once you add up premium + deductible + copay, almost everyone saves with either CHF 300 or CHF 2’500. This short guide shows the math in plain English.
Quick Guide
1. How the deductible works
Your deductible (also called a franchise) is what you pay first each year before basic insurance helps. Pick one of six levels, but adults mostly pick the two ends:
- CHF 300 – high premium, low risk
- CHF 2’500 – low premium, high risk
After you reach the deductible, you still pay 10 % of each bill (max CHF 700). Worst case in a year:
- CHF 300 plan → pay max CHF 1’000
- CHF 2 500 plan → pay max CHF 3’200
2. Find your real yearly cost
Your “cheap premium” is only part of the story. Use this simple formula:
Total yearly cost = (monthly premium × 12) + deductible you pay + any copay
Middle deductibles (CHF 500, 1’000, etc.) raise the premium a lot but cut the risk only a little. In most cases they cost more over a full year.
3. CHF 300 vs 2’500: which fits you?
- Choose CHF 300 if you expect medical bills above about CHF 1 900 (regular medication, physio, planned surgery, frequent doctor visits).
- Choose CHF 2’500 if you are healthy, rarely need a doctor, and can keep CHF 3’200 in savings for an emergency.
4. FAQs – Swiss health insurance deductible
Can I change my deductible every year?
Yes. Tell your insurer by 30 November; the change starts 1 January.
Do HMO or Telmed plans change the break-even?
They lower premiums, but the CHF 300 vs 2’500 comparison stays almost the same.
Is pregnancy counted in the deductible?
No. Prenatal care and birth are fully covered, no deductible or copay.
What if my bills explode?
Once you pay your deductible plus CHF 700 copay, insurance pays the rest—no limit.
Bottom line: If you expect big medical bills, pick CHF 300. If you’re healthy and can handle a CHF 3 200 surprise, pick CHF 2’500 and enjoy the lower premium.
Need quick, data-based advice? Contact us. We’ll run the numbers and show you the cheapest safe choice.
