Published on 21 February 2025

Health insurance: Special types of insurance

The insured person can opt to increase the deductible freely. With a higher optional deductible the insured person obtains a premium discount accordingly. In agreement with the insurance company the insured person can limit the right of choice of service provider which are then chosen by the insurance company in view of a more cost-effective care. This results in a premium reduction. By choosing a bonus model the insured person benefits from a sinking premium in case the person does not claim services during a certain period of time.