Which deductible should I choose?
The answer
The maximum 2 500-franc deductible saves a median of CHF 1'539.60 a year on the premium. It stops paying off beyond CHF 1'839.60 of medical costs in the year.
Why
The arithmetic is simple: the high deductible gains you CHF 1'539.60 of premium but makes you cover 2 200 francs more yourself before the insurance steps in. The tipping point is where the two meet.
Below CHF 1'839.60 of costs in the year the high deductible wins. Above it, it costs more than the minimum. This threshold varies by region: your region’s page gives yours.
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?
- Does the family doctor model really save money?
- Can I remove accident cover from my health insurance?
- What is the difference between the deductible and the co-payment?
- 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.