How to choose your deductible
The deductible is the amount of your medical costs you pay yourself each year before the insurer reimburses. The higher it is, the lower the premium.
Updated on 23.09.2026 · Official sources cited
300 to 2'500adult deductibles (CHF)
0 to 600children's deductibles (CHF)
1'540 CHFmaximum annual discount (2'500 vs 300)
The calculation rule
The discount granted for a higher deductible cannot exceed 70% of the additional risk you take. Between 300 and 2'500 CHF, the additional risk is 2'200 CHF, so the maximum annual discount is 1'540 CHF.
The rule of thumb
- Few costs (less than roughly 1'500 to 2'000 CHF a year): the 2'500 CHF deductible is often the cheapest overall.
- Regular costs (treatment, chronic illness, planned pregnancy): the 300 CHF deductible is generally better value.
- Intermediate deductibles are rarely optimal, but can suit a tight budget.
Can you afford the deductible?
With a 2'500 CHF deductible, a hard knock can cost you up to 3'200 CHF in the year (deductible + maximum co-payment). Keep that amount aside.
When to change
You can raise your deductible every year on 1 January. Lowering it follows the same deadlines as switching insurer: the request must be received by 30 November at the latest.