Deductible 300 or 2'500: which to choose in 2027?
It's THE question every autumn. The answer comes down to one simple rule: it all depends on your usual medical costs.
The simple rule
With the maximum discount allowed, going from a 300 to a 2'500 CHF deductible lowers the premium by up to 1'540 CHF a year. If your medical costs stay below about 2'000 CHF a year, the 2'500 deductible generally costs you less overall. Above that, the 300 deductible becomes better value.
Real example in Valais (2027)
At Atupri, in region 1, an adult pays 574.20 CHF a month with a 300 deductible and 445.90 CHF with a 2'500 deductible. That's a 1'540 CHF difference a year in premiums.
- Few costs (500 CHF a year): the 2'500 deductible saves you over 1'000 CHF overall.
- Average costs (2'000 CHF a year): the two are roughly equal.
- High costs (5'000 CHF a year): the 300 deductible is clearly better.
Watch out
- With a high deductible, keep enough aside to pay 2'500 CHF if something goes wrong.
- A low deductible can be chosen again for the following year, but not during the year.
Published on 07.10.2026 · Tigre Assurance
Frequently asked questions
From what level of costs does the 300 deductible become worthwhile?
As a rule, above about 2'000 CHF of medical costs a year, if your insurer applies the maximum discount on the 2'500 deductible.
How much do you save with the 2'500 deductible?
Up to 1'540 CHF in premiums a year compared with the 300 deductible, depending on the insurer.