{"id":1061,"date":"2021-10-09T14:50:35","date_gmt":"2021-10-09T13:50:35","guid":{"rendered":"https:\/\/ajooda.ch\/en\/?p=1061"},"modified":"2023-06-21T13:05:26","modified_gmt":"2023-06-21T12:05:26","slug":"deductible-in-switzerland","status":"publish","type":"post","link":"https:\/\/ajooda.ch\/en\/deductible-in-switzerland\/","title":{"rendered":"Which deductible to choose?"},"content":{"rendered":"\n<p>&#8220;Which deductible\n&#8220;franchise&#8221; should I actually choose?&#8221;<\/p>\n\n\n\n<p>Our years of experience in independent <a href=\"https:\/\/ajooda.ch\/en\/health-insurance-switzerland-comparison\/\" target=\"_blank\" rel=\"noreferrer noopener\">insurance<\/a> consulting have clearly shown us that in most cases only these two deductibles are worthwhile:<\/p>\n\n\n\n<ul>\n<li>CHF 300.-<\/li>\n\n\n\n<li>CHF 2&#8217;500.-<\/li>\n<\/ul>\n\n\n\n<p>Of course, it is never\npossible to predict exactly what health care costs might be due. Nevertheless,\none should consider which state of health is most likely to apply.<\/p>\n\n\n\n<p>Because the deductible of CHF 300.- is only worthwhile if health costs of at least CHF 1&#8217;700.- are expected, for example due to a planned surgery.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How can I calculate the\nmaximum health costs per year?<\/h2>\n\n\n\n<p><strong>Franchise + maximum deductible = maximum health\ncosts per year.<\/strong><\/p>\n\n\n\n<p>For the 300 deductible the maximum costs are CHF 1&#8217;000.- per year and for the 2&#8217;500.-  ones the maximum is CHF 3&#8217;200.-<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Calculation example:<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Premium, Franchise and\ndeductible<\/h3>\n\n\n\n<p>Mr Steiner has a deductible of CHF 1&#8217;000.- and pays a monthly <a href=\"https:\/\/ajooda.ch\/en\/health-insurance-switzerland-comparison\/\" target=\"_blank\" rel=\"noreferrer noopener\">premium <\/a>of CHF 312 and CHF 3&#8217;744.- per year. Now Mr. Steiner has to go to hospital due to an accident. The treatment costs for him amount to CHF 5&#8217;000.-<\/p>\n\n\n\n<p>Of these CHF 5&#8217;000.-, he must pay CHF 1&#8217;000.- himself through the chosen deductible.<\/p>\n\n\n\n<p>For the remaining costs, the deductible of 10% is due. This means: For the remaining costs of CHF 4&#8217;000.- he has to contribute CHF 400.- <\/p>\n\n\n\n<p>The total contribution of Mr. Steiner is now CHF 1&#8217;400.-<\/p>\n\n\n\n<p>In December, Mr. Steiner has to have an operation on his hip, which costs CHF 5&#8217;000.- Since the deductible has already been paid in full by Mr. Steiner this year, he only has to participate in the operation by paying a deductible. This is again at 10% or CHF 500.-<\/p>\n\n\n\n<p>The <strong>deductible is limited to CHF 700.- for each person<\/strong> and since Mr. Steiner already had to contribute CHF 400.- when he visited the hospital, only CHF 300 remains, which he has to contribute instead of CHF 500.-<\/p>\n\n\n\n<p>Mr Steiner&#8217;s total contribution over the whole year is now CHF 1&#8217;700.-<\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<p>Some still shy away from\nthe comparison of their health insurance out of convenience and lose out on <strong>thousands of francs<\/strong>.<\/p>\n\n\n\n<p class=\"has-text-color\" style=\"color:#004c85\"><strong>A comparison with ajooda is fast and easy:<\/strong><\/p>\n\n\n\n<ul>\n<li>Show us your old insurance policy or tell us your needs<\/li>\n\n\n\n<li>We obtain offers from all health insurance companies and present you with those that fit your needs best<\/li>\n\n\n\n<li>You choose the new health insurance or keep your old one, just with the knowledge now that you&#8217;re very well covered<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>&#8220;Which deductible &#8220;franchise&#8221; should I actually choose?&#8221; Our years of experience in independent insurance consulting have clearly shown us that in most cases only these two deductibles are worthwhile: Of course, it is never possible to predict exactly what health care costs might be due. Nevertheless, one should consider which state of health is most [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":1793,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[137,10],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Which deductible to choose? | ajooda | Your digital finance platform<\/title>\n<meta name=\"description\" content=\"&quot;Which deductible &quot;franchise&quot; should I actually choose?&quot; Our years of experience in independent insurance consulting have clearly shown us that in most ...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ajooda.ch\/en\/deductible-in-switzerland\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Which deductible to choose? | ajooda | Your digital finance platform\" \/>\n<meta property=\"og:description\" content=\"&quot;Which deductible &quot;franchise&quot; should I actually choose?&quot; Our years of experience in independent insurance consulting have clearly shown us that in most ...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ajooda.ch\/en\/deductible-in-switzerland\/\" \/>\n<meta property=\"og:site_name\" content=\"ajooda AG | Tax return, Company formation &amp; Accounting\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/ajooda.ch\/\" \/>\n<meta property=\"article:published_time\" content=\"2021-10-09T13:50:35+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-06-21T12:05:26+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2021\/10\/health-care-deductible.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1440\" \/>\n\t<meta property=\"og:image:height\" content=\"602\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Ricardo Antunes\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@AjoodaC\" \/>\n<meta name=\"twitter:site\" content=\"@AjoodaC\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ricardo Antunes\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/ajooda.ch\/en\/deductible-in-switzerland\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/ajooda.ch\/en\/deductible-in-switzerland\/\"},\"author\":{\"name\":\"Ricardo Antunes\",\"@id\":\"https:\/\/ajooda.ch\/en\/#\/schema\/person\/da303a636c68293ca45f028863b85010\"},\"headline\":\"Which deductible to choose?\",\"datePublished\":\"2021-10-09T13:50:35+00:00\",\"dateModified\":\"2023-06-21T12:05:26+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/ajooda.ch\/en\/deductible-in-switzerland\/\"},\"wordCount\":417,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/ajooda.ch\/en\/#organization\"},\"articleSection\":[\"All\",\"Insurance\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/ajooda.ch\/en\/deductible-in-switzerland\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/ajooda.ch\/en\/deductible-in-switzerland\/\",\"url\":\"https:\/\/ajooda.ch\/en\/deductible-in-switzerland\/\",\"name\":\"Which deductible to choose? 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