Deductible and co-insurance

Q: What is the difference between a deductible amount and the co-insurance?

The deductible is the fixed annual amount that the insured person pays themselves. As long as the deductible amount is not exceeded, the health costs are payable by the insured person. When this amount is exceeded, 90% of the costs are covered by the insurance company. The remaining 10% is the co-insurance, which must be paid by the insured person.

Our answers to the most frequently asked questions

You can find here the answers to our insured members’ most frequently asked questions.
Simply click on your subject of interest.

Deductible and co-insurance

Where can I check the remaining amount of my deductible for this year?

You will find the status of your deductible, before and after deduction of your health expenses, on every statement of benefits that is sent to you. Check your statements to find out the amount remaining under your deductible. You can also view the status of your deductible at all times, via your Customer Area.

What deductibles are available?

The deductibles available depend on your age. By increasing your deductible, you will reduce your premium.

For a child: the ordinary deductible is CHF 0.
The other possible deductibles are CHF 100/ CHF 200 / CHF 300 / CHF 400 / CHF 500 / CHF 600
For an adult: the ordinary deductible is CHF 300.
The other possible deductibles are CHF 500 / CHF 1,000 / CHF 1,500 / CHF 2,000 / CHF 2,500

For more information, please visit our page on how to save on your basic health insurance premiums.

How can I change my deductible?

You may ask to change the amount of your deductible for 1 January of the coming year, using our online form.

Do you wish to reduce your deductible? Your request must reach us before the last working day of November.
Do you wish to increase your deductible? You have until the last working day of the year to send us your request.

What is the difference between a deductible amount and the co-insurance?

The deductible is the fixed annual amount that the insured person pays themselves. As long as the deductible amount is not exceeded, the health costs are payable by the insured person. When this amount is exceeded, 90% of the costs are covered by the insurance company. The remaining 10% is the co-insurance, which must be paid by the insured person.