Determine the mathematically optimal health insurance deductible (CHF 300 to 2,500), 10% co-payment (max CHF 700), and total annual out-of-pocket expenses.
Mandatory KVG / LAMal basic cover (with or without accident)
Doctor visits, prescriptions, therapies, and hospital treatments
| Franchise | Prämie/Mt. | Selbstzahler | Gesamtkosten | Status |
|---|---|---|---|---|
| CHF 300 | CHF 420.00 | CHF 390.00 | CHF 5,430.00 | - |
| CHF 500 | CHF 408.33 | CHF 570.00 | CHF 5,470.00 | - |
| CHF 1000 | CHF 379.17 | CHF 1,020.00 | CHF 5,570.00 | - |
| CHF 1500 | CHF 350.00 | CHF 1,200.00 | CHF 5,400.00 | - |
| CHF 2000 | CHF 320.83 | CHF 1,200.00 | CHF 5,050.00 | - |
| CHF 2500 | CHF 291.67 | CHF 1,200.00 | CHF 4,700.00 | Optimal |
In Switzerland, intermediate deductibles (500, 1000, 1500, 2000) are almost never mathematically optimal. The breakeven point is around CHF 1,800: choose 2,500 if healthy, or 300 if you expect significant medical needs.
Total = Annual Premium + min(Cost, Franchise) + min(700, 10% × max(0, Cost - Franchise))You pay 100% of treatment costs up to your selected deductible. Beyond that, the insurer covers 90% and you pay a 10% co-payment (Selbstbehalt) capped at CHF 700 per year.
The metrics and calculations provided by this tool are general statistical approximations and do not substitute for professional medical advice, clinical diagnosis, or individualized diet therapy. Physiological variables and health histories vary widely. Always consult a qualified physician or healthcare provider regarding any health condition.
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