Deductible Check
Deductible Check

Which deductible pays off for you?

Enter where you live and what medical costs you expect next year. The calculator shows which deductible (Franchise) gives you the lowest total cost.

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Calculator

Three short steps. The comparison updates as you type.

Your profileSets which official premiums apply

Age group
From 26, everyone pays the same premium, whatever their age.
 
Accident cover
Choose "without" if you work 8 or more hours a week for one employer.

Premiums to compareWhich offers fill the table

Insurance model
What do the models mean?
  • Standard: free choice of doctor.
  • Family doctor / HMO: you always go to your family doctor or HMO practice first.
  • Telmed: you call a medical hotline (or use an app) before seeing a doctor.
  • Flexible: you choose per case between family doctor, Telmed or pharmacy as first contact.
How to fill the table
Cheapest first. You can still change a single column in the table below.

Your expected costsNext year, before insurance pays

CHF
What counts as basic insurance costs?
  • Counts: doctor and specialist visits, hospital stays, prescribed medicines on the official list, lab tests, prescribed physiotherapy, maternity care.
  • Does not count: dentist, glasses and contact lenses for adults, most alternative medicine, single rooms, anything covered only by supplementary insurance.
  • Tip: your insurer's statements from this year show your total bills.
CHF
Lowers every column by the same amount, so it does not change which deductible is best.

Comparison

CHF per year · edit any monthly premium
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Break-even

How much your medical costs can change before a different deductible becomes cheaper.

Cheapest deductible by cost range

Medical costs per year, using the premiums in the table.

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    How it works

    What the calculator adds up for each deductible.

    Premium

    The monthly premium approved by the Federal Office of Public Health for your premium region, age group and accident cover, times 12.

    Deductible

    You pay your medical bills yourself until they reach the deductible.

    Co-payment

    Above the deductible you pay 10% of the rest, up to CHF 700 a year for adults and young adults and CHF 350 for children.

    Subsidy

    Your cantonal premium reduction is subtracted at the end. It is the same for every deductible.

    Not included

    The hospital contribution of CHF 15 per day, supplementary insurance, and the lower premiums for a third or further child.

    Switching

    To change insurer or deductible for 1 January, your notice must reach the insurer by 30 November.