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Tips for saving on premiums
Choice of annual deductible
If you choose a higher deductible than the statutory minimum of CHF 300, you can save a great deal on basic insurance premiums.
When you receive medical benefits under your basic insurance, the law requires you to share the costs incurred by paying a fixed annual amount (the annual deductible).
|Optional annual deductible||Maximum saving*|
|Adults||CHF 500||8% discount|
|CHF 1,000||20% discount|
|CHF 1,500||30% discount|
|CHF 2,000||40% discount|
|CHF 2,500||50% discount|
|Children||CHF 500||50% discount|
The statutory minimum (ordinary) deductible for adults from the age of 19 upwards is CHF 300 per calendar year. However, by opting for a higher deductible, you can take on more responsibility. In return, you are given a premium discount. The higher your deductible, the lower your basic insurance premium.
For children up to the age of 18, there is no statutory annual deductible. However, to allow you to benefit from a discount for your children too, we offer an optional deductible for children of CHF 500 per calendar year.
The health insurance jargon explained simply and clearly
Which annual deductibles are there and what is the actual excess? This and other questions are answered here.
Different arrangement for cross-border commuters
For cross-border commuters from EU/EFTA countries, the statutory annual deductible for adults is also CHF 300 a year. There is no annual deductible for children up to the age of 18. However, optional deductibles are not available to cross-border commuters. It follows that these policyholders cannot opt for a higher deductible in return for a reduced premium.
* Unfortunately, it is not always possible to exploit the maximum possible deductible discount. The law requires that the reduced premium must be no more than 50% under the standard premium (including accident cover) with the statutory minimum deductible of CHF 300.
In addition, the health insurance companies can grant a maximum discount of 70% of the additional risk that policyholders take on by choosing a higher deductible (i.e. the difference between the statutory minimum and higher optional deductible).