Choosing the Right Health Insurance Deductible: A Guide
Choosing the deductible is the most important lever to reduce your health insurance premium. When is a high or low deductible worthwhile? We explain it simply and clearly.
Choosing your deductible is the biggest lever to lower your monthly premium. But when is a high deductible worthwhile, and when is a low one better? We explain it simply and clearly.
The deductible is the amount you pay each year for your medical costs (examinations, treatments, medications) before your health insurance covers the rest. You can choose between CHF 300 (lowest deductible) and CHF 2,500 (highest deductible).
The basic rule is: The higher your deductible, the lower your monthly premium.
When is a high deductible (CHF 2,500) worthwhile?
A high deductible is ideal if you are healthy and rarely need medical services (e.g., fewer than 2 doctor visits per year). You benefit from the maximum premium reduction and save real money each month. The risk: in case of unexpected illness, you must cover costs up to CHF 2,500 yourself.
When is a low deductible (CHF 300) worthwhile?
A low deductible is best if you regularly need medical treatments, therapies, or medications, or if you simply prefer financial security and want to pay only a small portion yourself in case of illness. You pay a higher monthly premium but are better protected against high health costs.
Our recommendation: Roughly estimate your expected healthcare costs for the coming year. Our independent premium calculator will help you find the most cost-effective combination of premium and deductible and see your potential savings immediately.
