Franchise
Deductible
[Frahn-she-ze]Simple Definition
The Franchise is the fixed annual amount you must pay towards your medical costs before your health insurance begins to contribute. It ranges from CHF 300 to CHF 2,500 for adults. Choosing a higher franchise lowers your monthly premium but increases your financial risk if you get sick.
Why this matters to Expats.
This is the classic "Swiss Bet." Expats often default to the lowest franchise (CHF 300) thinking it is safer, but mathematically, the highest franchise (CHF 2,500) is almost always cheaper if your medical costs are low. The system effectively forces you to bet on your own health for the coming year.
Actionable Intelligence
The Rule of Thumb: If your medical costs are under CHF 1,800/year, take the CHF 2,500 franchise.
Deadline: You can only change your franchise once a year, before November 30th.
Savvy Move: Put the difference in premiums (approx. CHF 1,500) into a savings account. If you don’t get sick, you keep it.
Frequently Asked Questions
Can I change it anytime?
No, only effective from January 1st. Notification must reach the insurer by Nov 30.
Does it apply to accidents?
No, accident cover (Unfallversicherung) usually has no deductible if you are employed.
What about pregnancy?
Maternity costs are exempt from the Franchise and Retention fee from the 13th week of pregnancy.
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