What is the difference between the deductible and the co-payment?
The answer
The deductible is the share you pay in full before the insurance steps in. The co-payment is the 10 % you keep paying beyond it, capped at 700 francs a year for an adult.
Why
In practice, on a 300-franc deductible: the first 300 francs of costs are yours. Beyond that, the insurance pays 90 % and you 10 %, until your 10 % share reaches 700 francs. After that everything is covered.
The most you can pay out in one year is therefore your deductible plus 700 francs — except for hospital stays, which add 15 francs a day. For children the co-payment cap is 350 francs.
The other questions
- Which is the cheapest health insurer in Switzerland?
- How much does health insurance cost in Switzerland?
- How much does health insurance cost for a child?
- When can I change health insurer?
- Can a Swiss health insurer refuse you?
- Are the benefits the same at every insurer?
- Which deductible should I choose?
- Does the family doctor model really save money?
- Can I remove accident cover from my health insurance?
- Why does my neighbour pay less than me?
- Why do premiums rise every year?
- How do I cancel my Swiss health insurance?
- What happens if I do not pay my premium?
- Do I have to insure a newborn, and when?
- How many health insurers are there in Switzerland?
Source: Federal Office of Public Health (FOPH), official premiums.