Annual Deductible

Annual deductible represents the amount you are required to pay towards your treatment costs on a yearly basis. When you reach this amount, the insurance company starts distributing payments.

Understanding Your Healthcare Costs

Annual Deductible

The amount you must pay before insurance coverage begins

Retention Fee

10% of costs after deductible (max CHF 700 for adults, CHF 350 for children)

Hospital Stay

CHF 15 per day (except for children, maternity, and students)

Deductible Levels

Adults

Higher deductibles lead to lower monthly premiums

CHF 300 CHF 500 CHF 1000 CHF 1500 CHF 2000 CHF 2500

Children

Children under 18 are not required to pay annual deductible

CHF 0 CHF 100 CHF 200 CHF 300 CHF 400 CHF 500 CHF 600

How Costs Are Calculated

All Swiss citizens have to take out a basic insurance policy and pay monthly premiums to the insurance company of their choice. When you need to undergo any kind of medical treatment, you are required to cover a part of the costs, calculated based on:

  • Your annual deductible amount
  • The retention fee (10% of costs above deductible)
  • Hospital stay costs (if applicable)

Reducing Your Insurance Premium

You can reduce your insurance premium by increasing your deductible. However, there are important considerations:

  • Changes to deductible can only be made at the beginning of a calendar year
  • Higher deductibles mean lower monthly premiums but higher out-of-pocket costs when you need care

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