Some useful definitions

Deductible

The insured person’s contribution to costs. Through the deductible, the insured pays a portion of the costs incurred by himself. In return, he can benefit from a premium reduction.
The ordinary deductible of CHF 300/year for adults (CHF 0 for children) is the minimum amount that must be paid out of pocket by all insured members.

Amount of optional deductibles

  • Adults: CHF 500, CHF 1,000, CHF 1,500, CHF 2,000, CHF 2,500 per year.
  • Children: CHF 100, CHF 200, CHF 300, CHF 400, CHF 500, CHF 600 per year
Co-insurance

10% contribution (20% for some original drugs) towards the costs of medical care exceeding the amount of the deductible.  

  • The law sets the maximum cost-sharing amount at CHF 700 for adults (CHF 350 for children).  
Daily tax

Amount of CHF 15 per day that you must pay when staying in hospital.

Find out how health insurance works, the possibilities available to you and how to adapt your contract.

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