The six deductibles, and where the line falls
The rule of thumb — young and healthy, take the highest — is roughly right and perfectly useless: it does not say where the line falls. Here are the six tiers, with the real saving and the level of costs at which it is eaten up.
| Deductible | Lowest premium in Switzerland | Average premium | Average annual premium saving | Maximum annual exposure |
|---|---|---|---|---|
| CHF 300 | CHF 335.10 | CHF 534.59 | — | CHF 5'021 |
| CHF 500 | CHF 324.10 | CHF 523.41 | CHF 134 | CHF 5'089 |
| CHF 1'000 | CHF 294.90 | CHF 494.56 | CHF 480 | CHF 5'239 |
| CHF 1'500 | CHF 265.70 | CHF 465.63 | CHF 828 | CHF 5'388 |
| CHF 2'000 | CHF 236.60 | CHF 436.87 | CHF 1'173 | CHF 5'539 |
| CHF 2'500 | CHF 207.40 | CHF 407.91 | CHF 1'520 | CHF 5'689 |
Maximum annual exposure is the worst case, the one nobody displays: twelve premiums at the floor price, plus the whole deductible, plus the CHF 700 co-payment cap. It is the figure to look at before raising a deductible, because it is the one you must be able to find.
Profile: adult, accident cover included, lowest premium in the canton across all models. Büsingen and Campione enclaves excluded. A canton’s lowest premium sits in one specific premium region: your municipality may belong to another.