Health insurance: Basic insurance with standard or optional deductible

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 higher annual deductible is chosen, health insurers grant premium reductions. These depend on the level of the deductible chosen. The maximum reduction is limited under the law.

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 

The health insurer must charge a minimum premium of 50 per cent of the standard premium (including accident cover) applicable for the age group and premium region of the person concerned. The premium must not fall below this level, even for insurance without accident cover or in combination with insurance restricting the choice of service provider.

In addition, the reduction granted must not exceed 70 per cent of the risk additionally assumed with the deductible chosen. The relevant amounts (in Swiss francs) are shown in the following table: (first row: deductible; second row: maximum annual reduction). However, this reduction can only be granted if the resulting premium does not fall below the specified minimum level.

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 deductibles. They may offer different deductibles for adults and young adults (between their 18th and 25th birthday).

Last modification 03.07.2018

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

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