Deductibles & Cost-Sharing in Switzerland

The Swiss health insurance system features a choice of annual deductible (Franchise) that significantly affects both monthly premiums and out-of-pocket costs. Adults can choose a deductible of CHF 300, 500, 1,000, 1,500, 2,000, or 2,500 per year. Children's deductibles range from CHF 0 to CHF 600. Choosing a higher deductible results in lower monthly premiums, creating a trade-off between upfront savings and financial risk.

Beyond the deductible, patients pay a 10% co-insurance (Selbstbehalt) on all costs up to a maximum of CHF 700 per year for adults and CHF 350 for children. This means the maximum annual out-of-pocket cost under basic insurance is CHF 3,200 (CHF 2,500 deductible + CHF 700 co-insurance) for an adult who chooses the highest deductible. For those choosing the minimum CHF 300 deductible, the maximum out-of-pocket is CHF 1,000.

The deductible system creates interesting behavioural dynamics. Approximately 45% of Swiss residents choose the maximum CHF 2,500 deductible to minimize premium costs, effectively self-insuring for routine medical expenses. This choice is generally advantageous for young, healthy individuals who rarely use healthcare services. However, it can create financial barriers to seeking care, with studies showing that higher deductibles correlate with delayed medical consultations.