Health insurance: Optional deductibles

In the compulsory health insurance it is possible to choose between the standard deductible or the higher optional deductible.

In addition to premiums, policyholders pay a fixed annual amount towards the costs of services provided (e.g. consultations, hospital stays or medicines). This is known as the deductible. The standard deductible is CHF 300 for adults and CHF 0 for children.

If a deductible higher than the standard CHF 300 is chosen, the premium will be reduced. The reduction depends on the level of the deductible and is limited by law. A maximum of 70 percent reduction on the additional risk assumed by the policyholder may be granted. The corresponding amount in Swiss Francs is shown in the table below (frist cell: franchise, second cell: maximum annual reduction):

Deductible 500 1000 1500 2000 2500
Maximum reduction 140 490 840 1190 1540
Deductible 100 200 300  400  500  600 
Maximum reduction 70  140  210  280  350  420 

Points to note:

A change in the level of the deductible can only take effect at the beginning of a calendar year.

Health insurers are not required to offer all the optional deductible levels. They may offer different deductibles for young adults (aged 19–25).

Last modification 27.06.2024

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Federal Office of Public Health FOPH
Health and Accident Insurance Directorate
Insurance Supervision Division
Schwarzenburgstrasse 157
3003 Bern
Tel. +41 58 462 21 11

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