HMO practice with a CHF 300 deductible in Region 3 of canton St. Gallen

Where the saving comes from

The model contributes about CHF 448.80 a year — the part paid for in freedom to choose your doctor, at the same CHF 300 deductible.

The two parts do not add up exactly: insurers do not price the two choices independently. The total above is the real figure; the breakdown gives the order of magnitude of each lever.

What the deductible risks

This is the minimum deductible: no extra risk compared with the reference.