Choosing the right deductible (franchise) is one of the most effective levers to significantly save on compulsory health insurance in Switzerland. But which deductible is right for you in 2027?
In basic insurance, adults can choose between a deductible ranging from CHF 300 up to the maximum deductible of CHF 2,500 per year. Choosing the maximum deductible gives you maximum discounts on your monthly premium.
Who benefits from the CHF 2,500 deductible?
The maximum deductible is ideal for healthy individuals who rarely visit a doctor and have few regular medication costs. The rule of thumb: If your annual medical expenses are below approx. CHF 1,800 to 2,000, you will save money overall with the CHF 2,500 deductible.
When should you stick with the lowest deductible (CHF 300)?
Anyone who regularly relies on medical treatments, therapies, or expensive medications is better off with the CHF 300 deductible. Although the monthly premium is higher, the insurance starts covering costs much earlier.
Conclusion and Tip for 2027
Review your expected health needs before the deadline and use the premium comparison for 2027 to check your potential savings.