{"id":13887,"date":"2026-04-09T09:43:53","date_gmt":"2026-04-09T09:43:53","guid":{"rendered":"https:\/\/www.vitafinance.ch\/franchise-health-insurance\/"},"modified":"2026-04-27T11:49:42","modified_gmt":"2026-04-27T11:49:42","slug":"franchise-health-insurance","status":"publish","type":"page","link":"https:\/\/www.vitafinance.ch\/en\/franchise-health-insurance\/","title":{"rendered":"Franchise health insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"13887\" class=\"elementor elementor-13887 elementor-13233\" data-elementor-post-type=\"page\">\n\t\t\t\t<section class=\"elementor-element elementor-element-a89f4ca vt-comparison-header e-flex e-con-boxed e-con e-parent\" data-id=\"a89f4ca\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-629c28d e-con-full e-flex e-con e-child\" data-id=\"629c28d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-805c4be elementor-widget elementor-widget-heading\" data-id=\"805c4be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Franchise health insurance<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c61614b elementor-widget elementor-widget-text-editor\" data-id=\"c61614b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"103\" data-end=\"453\">The deductible in your health insurance directly impacts your premium and the out-of-pocket costs you in case of illness. Our deductible calculator allows you to quickly and clearly see which deductible might suit your personal situation and how different options affect your total annual costs. <\/p><p data-start=\"455\" data-end=\"740\">Because premiums, healthcare costs, age, place of residence, accident coverage, and insurance model all affect the calculation, a detailed comparison is worthwhile. This will give you greater transparency and help you quickly determine whether a low or high deductible is more suitable for you. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9b8e31a elementor-icon-list--layout-inline elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"9b8e31a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"80\" height=\"80\" viewBox=\"0 0 80 80\" fill=\"none\"><path d=\"M65.2114 8.9132C69.3661 7.62469 73.8288 7.88079 78.0716 8.57306C77.8756 11.3982 77.6117 14.2153 77.4317 17.0404C74.8885 16.5482 72.0534 16.032 69.6541 17.3085C67.6467 18.437 67.0348 20.9059 66.9189 23.0428C66.7909 26.0119 66.8749 28.9851 66.8629 31.9583C69.938 31.9703 73.0131 31.9503 76.0881 31.9703C76.0721 34.7954 76.1041 37.6245 76.0722 40.4536C72.9971 40.4536 69.926 40.4296 66.8509 40.4656C66.8669 50.9338 66.8429 61.4059 66.8629 71.874C63.5359 71.894 60.2089 71.91 56.8779 71.902C56.8699 61.4179 56.8819 50.9378 56.8739 40.4536C54.1267 40.4376 51.3795 40.4576 48.6323 40.4456C48.7003 37.6125 48.6523 34.7834 48.6763 31.9503C51.4035 31.9743 54.1347 31.9583 56.8659 31.9583C56.9938 26.296 56.358 20.3657 58.5893 15.0076C59.753 12.1185 62.2283 9.82556 65.2114 8.9132Z\" fill=\"#7F7F7F\"><\/path><path d=\"M1 31.9863C4.62692 31.9903 8.25784 31.9783 11.8848 31.9943C15.4237 41.334 18.9666 50.6736 22.5496 59.9973C23.1374 58.9689 23.4733 57.8285 23.9092 56.732C27.0762 48.4848 30.2473 40.2375 33.4023 31.9863C36.8213 31.9903 40.2443 31.9783 43.6673 31.9943C38.3049 45.2275 33.1744 58.5568 27.928 71.838C24.373 71.838 20.8181 71.838 17.2592 71.838C11.8528 58.5488 6.43038 45.2675 1 31.9863Z\" fill=\"#748260\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Vita Finance Team<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Last updated: April 27 <span style=\"background-color: transparent\">, 2026<\/span><span style=\"background-color: transparent\"><\/span><br><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-373744b e-con-full e-flex e-con e-child\" data-id=\"373744b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-627c4f9 elementor-widget elementor-widget-image\" data-id=\"627c4f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"824\" height=\"714\" src=\"https:\/\/www.vitafinance.ch\/wp-content\/uploads\/2026\/03\/Group.webp\" class=\"attachment-full size-full wp-image-11368 has-transparency\" alt=\"Franchise Krankenkasse Schweiz kosten\" srcset=\"https:\/\/www.vitafinance.ch\/wp-content\/uploads\/2026\/03\/Group.webp 824w, https:\/\/www.vitafinance.ch\/wp-content\/uploads\/2026\/03\/Group-300x260.webp 300w, https:\/\/www.vitafinance.ch\/wp-content\/uploads\/2026\/03\/Group-768x665.webp 768w\" sizes=\"(max-width: 824px) 100vw, 824px\" data-has-transparency=\"true\" data-dominant-color=\"948a7f\" style=\"--dominant-color: #948a7f\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t<section class=\"elementor-element elementor-element-a4e593c insurance-comparison-tbl-sec e-flex e-con-boxed e-con e-parent\" data-id=\"a4e593c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e715cf3 elementor-widget__width-inherit elementor-widget elementor-widget-shortcode\" data-id=\"e715cf3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">    <div class=\"vf-fr\">\n      <div class=\"vf-fr-container\">\n\n        <section class=\"vf-fr-card vf-fr-form-card\">\n          <div class=\"vf-fr-section-head\">\n            <h2>Franchisenrechner<\/h2>\n            <p>Berechnen Sie f\u00fcr eine Person die j\u00e4hrlichen Gesamtkosten je Franchise, inklusive Jahrespr\u00e4mie, Franchise und Selbstbehalt.<\/p>\n          <\/div>\n\n          <div class=\"vf-fr-form-grid\">\n            <div class=\"vf-fr-field vf-fr-field-location\">\n              <label for=\"vfFrLocationSearch\">PLZ oder Ort<\/label>\n              <input type=\"text\" id=\"vfFrLocationSearch\" placeholder=\"6003 oder Luzern\" autocomplete=\"off\">\n              <div id=\"vfFrLocationSuggestions\" class=\"vf-fr-suggestions\"><\/div>\n              <input type=\"hidden\" id=\"vfFrSelectedRegion\">\n              <input type=\"hidden\" id=\"vfFrSelectedLocationLabel\">\n            <\/div>\n\n            <div class=\"vf-fr-selected-location\" id=\"vfFrSelectedLocationBox\" style=\"display:none;\">\n              <strong>Ausgew\u00e4hlt:<\/strong> <span id=\"vfFrSelectedLocationText\"><\/span>\n            <\/div>\n\n            <div class=\"vf-fr-field\">\n              <label for=\"vfFrBirthYear\">Jahrgang<\/label>\n              <input type=\"number\" id=\"vfFrBirthYear\" placeholder=\"z. B. 1990\" min=\"1900\" inputmode=\"numeric\">\n            <\/div>\n\n            <div class=\"vf-fr-field\">\n              <label for=\"vfFrInsurer\">Krankenkasse<\/label>\n              <select id=\"vfFrInsurer\">\n                <option value=\"\">Bitte w\u00e4hlen<\/option>\n              <\/select>\n            <\/div>\n\n            <div class=\"vf-fr-field\">\n              <label for=\"vfFrModel\">Modell<\/label>\n              <select id=\"vfFrModel\" disabled>\n                <option value=\"\">Bitte zuerst Krankenkasse w\u00e4hlen<\/option>\n              <\/select>\n            <\/div>\n\n            <div class=\"vf-fr-field\">\n              <label for=\"vfFrAccident\">Unfalldeckung<\/label>\n              <select id=\"vfFrAccident\">\n                <option value=\"\">Bitte w\u00e4hlen<\/option>\n                <option value=\"mit\">Mit Unfall<\/option>\n                <option value=\"ohne\">Ohne Unfall<\/option>\n              <\/select>\n            <\/div>\n\n            <div class=\"vf-fr-field vf-fr-field-health-costs\">\n              <label for=\"vfFrHealthCosts\">Gesundheitskosten pro Jahr in der Grundversicherung<\/label>\n              <input type=\"number\" id=\"vfFrHealthCosts\" placeholder=\"z. B. 1500\" min=\"0\" step=\"0.01\" inputmode=\"decimal\">\n              <div class=\"vf-fr-hint\">\n                Dazu geh\u00f6ren zum Beispiel Kosten f\u00fcr Arztbesuche, Medikamente, Untersuchungen, Spitalbehandlungen, Laboranalysen oder Therapien, sofern diese \u00fcber die Grundversicherung abgerechnet werden.\n              <\/div>\n            <\/div>\n          <\/div>\n\n<div class=\"vf-fr-actions\">\n  <button type=\"button\" id=\"vfFrCalculateBtn\">Gesamtkosten berechnen<\/button>\n  <button type=\"button\" id=\"vfFrDownloadPdfBtn\" class=\"vf-fr-btn-secondary\">PDF herunterladen<\/button>\n<\/div>\n\n          <div id=\"vfFrMessageBox\" class=\"vf-fr-message-box\"><\/div>\n        <\/section>\n\n        <section class=\"vf-fr-card vf-fr-insight-card\" id=\"vfFrInsightSection\">\n          <div class=\"vf-fr-section-head\">\n            <h2>Ihre optimale Franchise<\/h2>\n            <p>Hier sehen Sie auf einen Blick, welche Franchise f\u00fcr Ihre aktuelle Situation am sinnvollsten ist.<\/p>\n          <\/div>\n\n          <div id=\"vfFrInsightBox\" class=\"vf-fr-insight-box\">\n            Bitte geben Sie oben Ihre Angaben ein.\n          <\/div>\n        <\/section>\n\n        <section class=\"vf-fr-card vf-fr-results-card\" id=\"vfFrResultsSection\">\n          <div class=\"vf-fr-results-head\">\n            <div>\n              <h2>J\u00e4hrliche Gesamtkosten nach Franchise<\/h2>\n              <p id=\"vfFrResultsSubline\">Bitte geben Sie oben Ihre Angaben ein.<\/p>\n            <\/div>\n          <\/div>\n\n          <div id=\"vfFrResultsContainer\" class=\"vf-fr-results-container\">\n            <div class=\"vf-fr-placeholder\">Sobald Sie Krankenkasse, Modell, Jahrgang, Unfall und Gesundheitskosten gew\u00e4hlt haben, sehen Sie hier die Gesamtkosten je Franchise.<\/div>\n          <\/div>\n        <\/section>\n      <\/div>\n    <\/div>\n    <\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<section class=\"elementor-element elementor-element-d9ea429 e-con-full e-flex e-con e-child\" data-id=\"d9ea429\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e9daa53 elementor-widget elementor-widget-html\" data-id=\"e9daa53\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<section class=\"vf-fr-mini-cta\" data-lang-scope><div class=\"vf-fr-mini-cta__inner\"><div class=\"vf-fr-mini-cta__content\"><div class=\"vf-fr-mini-cta__eyebrow\" data-i18n=\"eyebrow\">N\u00e4chster Schritt\r\n      <\/div><h2 class=\"vf-fr-mini-cta__title\" data-i18n=\"title\">Vergleichen Sie jetzt die passende Krankenkasse zu Ihrer Franchise\r\n      <\/h2><p class=\"vf-fr-mini-cta__text\" data-i18n=\"text\">Die optimale Franchise ist ein wichtiger erster Schritt. Vergleichen Sie jetzt online, welche Krankenkasse und welches Modell am besten zu Ihrer Situation passen.\r\n      <\/p><\/div><div class=\"vf-fr-mini-cta__action\"><a class=\"vf-fr-mini-cta__button\" href=\"https:\/\/www.vitafinance.ch\/en\/health-insurance-comparison\/\" data-i18n=\"cta\">Jetzt Krankenkassen vergleichen\r\n      <\/a><\/div><\/div><\/section><style>.vf-fr-mini-cta,\r\n.vf-fr-mini-cta * {\r\n  box-sizing: border-box;\r\n}\r\n\r\n.vf-fr-mini-cta {\r\n  --vf-fr-mini-text: #181d27;\r\n  --vf-fr-mini-text-soft: #667085;\r\n  --vf-fr-mini-border: #e7ece8;\r\n  --vf-fr-mini-surface: #ffffff;\r\n  --vf-fr-mini-green-dark: #748260;\r\n  --vf-fr-mini-shadow: 0 10px 28px rgba(16, 24, 40, 0.05);\r\n  --vf-fr-mini-radius-xl: 24px;\r\n  position: relative;\r\n  border: 1px solid var(--vf-fr-mini-border);\r\n  border-radius: var(--vf-fr-mini-radius-xl);\r\n  background:\r\n    radial-gradient(circle at top left, rgba(175, 194, 149, 0.10), transparent 34%),\r\n    linear-gradient(180deg, #ffffff 0%, #fbfcfb 100%);\r\n  box-shadow: var(--vf-fr-mini-shadow);\r\n  padding: 24px 26px;\r\n  overflow: hidden;\r\n  font-family: \"Open Sans\", sans-serif;\r\n}\r\n\r\n.vf-fr-mini-cta__inner {\r\n  display: grid;\r\n  grid-template-columns: minmax(0, 1fr) auto;\r\n  gap: 20px;\r\n  align-items: center;\r\n}\r\n\r\n.vf-fr-mini-cta__content {\r\n  min-width: 0;\r\n}\r\n\r\n.vf-fr-mini-cta__eyebrow {\r\n  display: inline-flex;\r\n  align-items: center;\r\n  min-height: 30px;\r\n  padding: 5px 10px;\r\n  border-radius: 999px;\r\n  background: rgba(116, 130, 96, 0.10);\r\n  color: var(--vf-fr-mini-green-dark);\r\n  font-size: 12px;\r\n  line-height: 1.2;\r\n  font-weight: 700;\r\n  margin-bottom: 10px;\r\n}\r\n\r\n.vf-fr-mini-cta__title {\r\n  margin: 0 0 8px 0;\r\n  color: var(--vf-fr-mini-text);\r\n  font-size: clamp(24px, 3vw, 32px);\r\n  line-height: 1.12;\r\n  font-weight: 700;\r\n  letter-spacing: -0.02em;\r\n}\r\n\r\n.vf-fr-mini-cta__text {\r\n  margin: 0;\r\n  color: var(--vf-fr-mini-text-soft);\r\n  font-size: 15px;\r\n  line-height: 1.65;\r\n  max-width: 760px;\r\n}\r\n\r\n.vf-fr-mini-cta__action {\r\n  display: flex;\r\n  align-items: center;\r\n  justify-content: flex-end;\r\n}\r\n\r\n.vf-fr-mini-cta__button {\r\n  display: inline-flex;\r\n  align-items: center;\r\n  justify-content: center;\r\n  min-height: 50px;\r\n  padding: 0 18px;\r\n  border-radius: 999px;\r\n  background: var(--vf-fr-mini-green-dark);\r\n  color: #ffffff !important;\r\n  font-size: 15px;\r\n  line-height: 1.2;\r\n  font-weight: 700;\r\n  text-decoration: none !important;\r\n  white-space: nowrap;\r\n  box-shadow: 0 12px 24px rgba(116, 130, 96, 0.18);\r\n  transition: transform 0.18s ease, background 0.18s ease, box-shadow 0.18s ease;\r\n}\r\n\r\n.vf-fr-mini-cta__button:hover {\r\n  transform: translateY(-1px);\r\n  background: #687556;\r\n  color: #ffffff !important;\r\n  box-shadow: 0 14px 28px rgba(116, 130, 96, 0.22);\r\n}\r\n\r\n@media (max-width: 900px) {\r\n  .vf-fr-mini-cta {\r\n    padding: 20px;\r\n  }\r\n\r\n  .vf-fr-mini-cta__inner {\r\n    grid-template-columns: 1fr;\r\n    gap: 16px;\r\n    align-items: start;\r\n  }\r\n\r\n  .vf-fr-mini-cta__action {\r\n    justify-content: flex-start;\r\n  }\r\n}\r\n\r\n@media (max-width: 767px) {\r\n  .vf-fr-mini-cta {\r\n    padding: 18px 16px;\r\n    border-radius: 20px;\r\n  }\r\n\r\n  .vf-fr-mini-cta__title {\r\n    font-size: 24px;\r\n    line-height: 1.14;\r\n  }\r\n\r\n  .vf-fr-mini-cta__text {\r\n    font-size: 15px;\r\n    line-height: 1.6;\r\n  }\r\n\r\n  .vf-fr-mini-cta__button {\r\n    width: 100%;\r\n  }\r\n}\r\n<\/style><script>(function() {\r\n  const translations = {\r\n    de: {\r\n      eyebrow: \"N\u00e4chster Schritt\",\r\n      title: \"Vergleichen Sie jetzt die passende Krankenkasse zu Ihrer Franchise\",\r\n      text: \"Die optimale Franchise ist ein wichtiger erster Schritt. Vergleichen Sie jetzt online, welche Krankenkasse und welches Modell am besten zu Ihrer Situation passen.\",\r\n      cta: \"Jetzt Krankenkassen vergleichen\"\r\n    },\r\n    en: {\r\n      eyebrow: \"Next step\",\r\n      title: \"Now compare the right health insurance plan for your deductible\",\r\n      text: \"Choosing the right deductible is an important first step. Now compare online which health insurer and model fit your situation best.\",\r\n      cta: \"Compare health insurance now\"\r\n    }\r\n  };\r\n\r\n  const root = document.querySelector('.vf-fr-mini-cta[data-lang-scope]');\r\n  if (!root) return;\r\n\r\n  const pageLang = (document.documentElement.lang || 'de').toLowerCase();\r\n  const lang = pageLang.startsWith('en') ? 'en' : 'de';\r\n\r\n  root.querySelectorAll('[data-i18n]').forEach(el => {\r\n    const key = el.getAttribute('data-i18n');\r\n    if (translations[lang] && translations[lang][key]) {\r\n      el.textContent = translations[lang][key];\r\n    }\r\n  });\r\n})();\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t<section class=\"elementor-element elementor-element-dac6016 vt-services-detail-page legal-protection e-flex e-con-boxed e-con e-parent\" data-id=\"dac6016\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-251da5c e-con-full vt-services-detail-page-left e-flex e-con e-child\" data-id=\"251da5c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e948b0c elementor-widget elementor-widget-html\" data-id=\"e948b0c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<section class=\"vf-fr-booking-vertical\" data-lang-scope=\"\">\r\n  <div class=\"vf-fr-booking-vertical__eyebrow\" data-i18n=\"eyebrow\">\r\n Personal support\r\n  <\/div>\r\n\r\n  <div class=\"vf-fr-booking-vertical__media\">\r\n    <img decoding=\"async\" src=\"https:\/\/www.vitafinance.ch\/wp-content\/uploads\/2026\/03\/Flamur.png\" alt=\"Flamur Prendi\" data-i18n-alt=\"imageAlt\">\r\n  <\/div>\r\n\r\n  <h2 class=\"vf-fr-booking-vertical__title\" data-i18n=\"title\">\r\n Have your situation assessed personally\r\n  <\/h2>\r\n\r\n  <p class=\"vf-fr-booking-vertical__text\" data-i18n=\"text\">\r\n Our expert Flamur Prendi will be happy to assist you if you have any questions about basic health insurance, different plans, or potential savings. You can book a free, no-obligation appointment directly. \r\n  <\/p>\r\n\r\n  <a class=\"vf-fr-booking-vertical__button\" href=\"https:\/\/outlook.office.com\/book\/VitaFinance@vitafinance.ch\/?ismsaljsauthenabled\" target=\"_blank\" rel=\"noopener noreferrer\" data-i18n=\"cta\">\r\n Book an appointment\r\n  <\/a>\r\n<\/section>\r\n\r\n<style>\r\n.vf-fr-booking-vertical,\r\n.vf-fr-booking-vertical * {\r\n  box-sizing: border-box;\r\n}\r\n\r\n.vf-fr-booking-vertical {\r\n  --vf-bv-text: #181d27;\r\n  --vf-bv-text-soft: #667085;\r\n  --vf-bv-border: #e7ece8;\r\n  --vf-bv-surface: #ffffff;\r\n  --vf-bv-green-dark: #748260;\r\n  --vf-bv-orange: #f37633;\r\n  --vf-bv-shadow: 0 12px 28px rgba(16, 24, 40, 0.05);\r\n  --vf-bv-radius-xl: 24px;\r\n  --vf-bv-radius-lg: 18px;\r\n  width: 100%;\r\n  display: flex;\r\n  flex-direction: column;\r\n  align-items: flex-start;\r\n  gap: 14px;\r\n  padding: 20px;\r\n  border: 1px solid var(--vf-bv-border);\r\n  border-radius: var(--vf-bv-radius-xl);\r\n  background:\r\n    radial-gradient(circle at top left, rgba(175, 194, 149, 0.10), transparent 34%),\r\n    linear-gradient(180deg, #ffffff 0%, #fbfcfb 100%);\r\n  box-shadow: var(--vf-bv-shadow);\r\n  overflow: hidden;\r\n  font-family: \"Open Sans\", sans-serif;\r\n}\r\n\r\n.vf-fr-booking-vertical__eyebrow {\r\n  display: inline-flex;\r\n  align-items: center;\r\n  min-height: 30px;\r\n  padding: 5px 10px;\r\n  border-radius: 999px;\r\n  background: rgba(116, 130, 96, 0.10);\r\n  color: var(--vf-bv-green-dark);\r\n  font-size: 12px;\r\n  line-height: 1.2;\r\n  font-weight: 700;\r\n  margin-bottom: 2px;\r\n}\r\n\r\n.vf-fr-booking-vertical__media {\r\n  width: 92px;\r\n  height: 92px;\r\n  border-radius: 18px;\r\n  overflow: hidden;\r\n  border: 1px solid rgba(231, 236, 232, 0.95);\r\n  box-shadow: 0 8px 18px rgba(16, 24, 40, 0.06);\r\n  background: #ffffff;\r\n}\r\n\r\n.vf-fr-booking-vertical__media img {\r\n  width: 100%;\r\n  height: 100%;\r\n  object-fit: cover;\r\n  display: block;\r\n}\r\n\r\n.vf-fr-booking-vertical__title {\r\n  margin: 2px 0 0 0;\r\n  color: var(--vf-bv-text);\r\n  font-size: clamp(22px, 2.4vw, 30px);\r\n  line-height: 1.14;\r\n  font-weight: 700;\r\n  letter-spacing: -0.02em;\r\n  max-width: 12ch;\r\n  text-wrap: balance;\r\n}\r\n\r\n.vf-fr-booking-vertical__text {\r\n  margin: 0;\r\n  color: var(--vf-bv-text-soft);\r\n  font-size: 15px;\r\n  line-height: 1.72;\r\n}\r\n\r\n.vf-fr-booking-vertical__button {\r\n  display: inline-flex;\r\n  align-items: center;\r\n  justify-content: center;\r\n  min-height: 50px;\r\n  width: 100%;\r\n  padding: 0 18px;\r\n  margin-top: 4px;\r\n  border-radius: 999px;\r\n  background: var(--vf-bv-orange);\r\n  color: #ffffff !important;\r\n  font-size: 15px;\r\n  line-height: 1.2;\r\n  font-weight: 700;\r\n  text-decoration: none !important;\r\n  box-shadow: 0 12px 24px rgba(243, 118, 51, 0.18);\r\n  transition: transform 0.18s ease, background 0.18s ease, box-shadow 0.18s ease;\r\n}\r\n\r\n.vf-fr-booking-vertical__button:hover {\r\n  transform: translateY(-1px);\r\n  background: #e66c2d;\r\n  color: #ffffff !important;\r\n  box-shadow: 0 14px 28px rgba(243, 118, 51, 0.22);\r\n}\r\n\r\n@media (max-width: 767px) {\r\n  .vf-fr-booking-vertical {\r\n    padding: 18px 16px;\r\n    border-radius: 20px;\r\n    gap: 12px;\r\n  }\r\n\r\n  .vf-fr-booking-vertical__media {\r\n    width: 84px;\r\n    height: 84px;\r\n    border-radius: 16px;\r\n  }\r\n\r\n  .vf-fr-booking-vertical__title {\r\n    font-size: 24px;\r\n    line-height: 1.14;\r\n    max-width: 100%;\r\n  }\r\n\r\n  .vf-fr-booking-vertical__text {\r\n    font-size: 15px;\r\n    line-height: 1.65;\r\n  }\r\n}\r\n<\/style>\r\n\r\n<script>\r\n(function() {\r\n  const translations = {\r\n    de: {\r\n      imageAlt: \"Flamur Prendi\",\r\n      eyebrow: \"Pers\u00f6nliche Unterst\u00fctzung\",\r\n      title: \"Lassen Sie Ihre Situation pers\u00f6nlich einordnen\",\r\n      text: \"Unser Experte Flamur Prendi unterst\u00fctzt Sie gerne, wenn Sie Fragen zur Grundversicherung, zu Modellen oder zu m\u00f6glichen Einsparungen haben. Sie k\u00f6nnen direkt einen kostenlosen und unverbindlichen Termin buchen.\",\r\n      cta: \"Termin buchen\"\r\n    },\r\n    en: {\r\n      imageAlt: \"Flamur Prendi\",\r\n      eyebrow: \"Personal support\",\r\n      title: \"Get a personal assessment of your situation\",\r\n      text: \"Our expert Flamur Prendi will be happy to support you if you have questions about basic health insurance, insurance models or possible savings. You can book a free and non-binding appointment directly.\",\r\n      cta: \"Book an appointment\"\r\n    }\r\n  };\r\n\r\n  const root = document.querySelector('.vf-fr-booking-vertical[data-lang-scope]');\r\n  if (!root) return;\r\n\r\n  const pageLang = (document.documentElement.lang || 'de').toLowerCase();\r\n  const lang = pageLang.startsWith('en') ? 'en' : 'de';\r\n\r\n  root.querySelectorAll('[data-i18n]').forEach(el => {\r\n    const key = el.getAttribute('data-i18n');\r\n    if (translations[lang] && translations[lang][key]) {\r\n      el.textContent = translations[lang][key];\r\n    }\r\n  });\r\n\r\n  root.querySelectorAll('[data-i18n-alt]').forEach(el => {\r\n    const key = el.getAttribute('data-i18n-alt');\r\n    if (translations[lang] && translations[lang][key]) {\r\n      el.setAttribute('alt', translations[lang][key]);\r\n    }\r\n  });\r\n})();\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-203be38 vt-services-detail-page-right legal-insurance-text-sec e-con-full e-flex e-con e-child\" data-id=\"203be38\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-da890fd elementor-widget elementor-widget-text-editor\" data-id=\"da890fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 data-section-id=\"d44tbt\" data-start=\"100\" data-end=\"126\">What is a franchise?<\/h2><p data-start=\"128\" data-end=\"504\">The deductible is the fixed amount you initially pay yourself each calendar year under basic health insurance before the <a href=\"https:\/\/www.vitafinance.ch\/en\/services\/health-insurance\/\" target=\"_blank\" rel=\"noopener\">health insurance company<\/a> contributes to the remaining costs. In Switzerland, the standard deductible for adults is CHF 300. Those who wish can choose a higher deductible. Generally, the higher the deductible, the lower the monthly premium.   <\/p><p data-start=\"506\" data-end=\"844\">So, if you&#8217;re looking for information on what a deductible is or what a deductible means in health insurance, the simplest answer is: The deductible is your annual out-of-pocket expense before the health insurance company starts covering some of the costs. It&#8217;s a key element of cost-sharing in the Swiss basic health insurance system. <\/p><p data-start=\"846\" data-end=\"1201\">Depending on the insurer and age group, various deductible levels are available for adults. Insurers are not obligated to offer all deductible options, and different offers may be available for adults and young adults. Changing the deductible is generally only possible at the beginning of a new calendar year.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-47e446f elementor-widget elementor-widget-image\" data-id=\"47e446f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.vitafinance.ch\/wp-content\/uploads\/2025\/11\/Vogelperspektive-cropped-1.webp\" class=\"attachment-full size-full wp-image-14148 not-transparent\" alt=\"\" srcset=\"https:\/\/www.vitafinance.ch\/wp-content\/uploads\/2025\/11\/Vogelperspektive-cropped-1.webp 1024w, https:\/\/www.vitafinance.ch\/wp-content\/uploads\/2025\/11\/Vogelperspektive-cropped-1-300x169.webp 300w, https:\/\/www.vitafinance.ch\/wp-content\/uploads\/2025\/11\/Vogelperspektive-cropped-1-768x432.webp 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-has-transparency=\"false\" data-dominant-color=\"957c69\" style=\"--dominant-color: #957c69\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5fa1791 elementor-widget elementor-widget-text-editor\" data-id=\"5fa1791\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 data-section-id=\"hx72r4\" data-start=\"1203\" data-end=\"1271\">Health insurance deductible and co-payment: What is the difference?<\/h2><p data-start=\"1273\" data-end=\"1530\">Many search queries revolve around &#8220;health insurance deductible,&#8221; &#8220;health insurance deductible,&#8221; or &#8220;deductible.&#8221; This shows that confusion often exists in this area. The two terms are related, but they don&#8217;t mean the same thing.  <\/p><p data-start=\"1532\" data-end=\"1919\">The deductible is the first fixed cost component you pay yourself each year. Once your eligible healthcare costs exceed this deductible, the co-payment begins. In basic health insurance, this is generally 10 percent of the remaining costs, but no more than CHF 700 per year for adults. For children and adolescents, this limit is CHF 350.   <\/p><p data-start=\"1921\" data-end=\"1933\">In short:<\/p><p data-start=\"1935\" data-end=\"2039\">The franchise is the fixed initial amount per year.<br data-start=\"1985\" data-end=\"1988\">The deductible is the percentage share thereafter.<\/p><p data-start=\"2041\" data-end=\"2290\">This also clearly answers the question about the definition of the health insurance deductible: The deductible is not the same as the co-payment, but rather the first part of your cost sharing. The co-payment only applies after the deductible has been reached. <\/p><h2 data-section-id=\"1li4j66\" data-start=\"2292\" data-end=\"2347\">Health insurance franchise model: Why does this system exist?<\/h2><p data-start=\"2349\" data-end=\"2703\">The deductible in health insurance is intended to make insured individuals contribute to healthcare costs and simultaneously create an incentive to be more cost-conscious. The mandatory health insurance system in Switzerland is financed through premiums, deductibles, co-payments, and other sources of funding such as cantonal premium subsidies. <\/p><p data-start=\"2705\" data-end=\"3139\">For policyholders, this means in practice that they can influence how ongoing premiums and potential costs in case of illness are distributed by choosing the deductible. Those who opt for a high deductible usually pay lower premiums but initially bear more of the costs themselves in the event of illness. Those who choose a low deductible generally pay higher premiums but reduce their own risk when making a claim.  <\/p><h2 data-section-id=\"16x2ax2\" data-start=\"3141\" data-end=\"3184\">What franchises are available in Switzerland?<\/h2><p data-start=\"3186\" data-end=\"3705\">In everyday life, many people talk about the annual deductible or ask what it means. It always refers to the amount you pay yourself each calendar year. For adults, the standard deductible is CHF 300. Higher deductibles are also available, depending on the insurer. Children and teenagers have their own rules, particularly because they don&#8217;t have the same standard deductible of CHF 300 as adults and are also treated differently regarding the maximum out-of-pocket expenses.    <\/p><p data-start=\"3707\" data-end=\"3990\">For adults, the most relevant question in practice is whether the lowest or the highest franchise fee makes more sense. This is precisely where a franchise calculator is particularly valuable, because it considers not only the monthly premium but also the total annual costs. <\/p><h2 data-section-id=\"1ka14bu\" data-start=\"3992\" data-end=\"4045\">What do the deductibles in health insurance mean in practice?<\/h2><p data-start=\"4047\" data-end=\"4445\">Theory is important, but the practical impact on everyday life is even more crucial. If you receive medical services through basic health insurance, the eligible costs are first applied to your deductible. For example, if you have chosen a high deductible and only have a few doctor&#8217;s visits, medications, or examinations per year, this option can be more economical due to the lower premium.  <\/p><p data-start=\"4447\" data-end=\"4869\">If healthcare costs rise, the picture changes. A lower deductible can then become more financially advantageous because you bear a smaller share of the direct treatment costs. This is precisely why many people search for terms like &#8220;deductible&#8221; and &#8220;co-payment explanation&#8221; or &#8220;health insurance deductible co-payment,&#8221; because the decision shouldn&#8217;t be based solely on gut feeling, but on actual figures.  <\/p><h2 data-section-id=\"107y073\" data-start=\"4871\" data-end=\"4946\">Franchise calculator: not just explaining, but comparing in concrete terms<\/h2><p data-start=\"4948\" data-end=\"5228\">On this page you will find a franchise calculator that allows you to calculate the total annual cost per franchise for one person. This calculation considers not only the annual premiums, but the effective total cost including the annual premium, franchise fee, and deductible. <\/p><p data-start=\"5230\" data-end=\"5417\">This is crucial. When deciding which health insurance deductible is best, it&#8217;s not enough to just look at the monthly premium. The overall picture is what really matters:  <\/p><ul data-start=\"5419\" data-end=\"5600\"><li data-section-id=\"1f2wqtk\" data-start=\"5419\" data-end=\"5435\">Annual bonus<\/li><li data-section-id=\"1avkuhv\" data-start=\"5436\" data-end=\"5458\">chosen franchise<\/li><li data-section-id=\"1mh82dd\" data-start=\"5459\" data-end=\"5475\">Deductible<\/li><li data-section-id=\"1xgevo3\" data-start=\"5476\" data-end=\"5523\">Estimated annual healthcare costs<\/li><li data-section-id=\"1f5bo0\" data-start=\"5524\" data-end=\"5559\">Age or category<\/li><li data-section-id=\"fqarfj\" data-start=\"5560\" data-end=\"5571\">Place of residence<\/li><li data-section-id=\"nkbxez\" data-start=\"5572\" data-end=\"5582\">Model<\/li><li data-section-id=\"1gppri9\" data-start=\"5583\" data-end=\"5600\">Accident coverage<\/li><\/ul><p data-start=\"5602\" data-end=\"5680\">This is precisely how a realistic picture of your effective annual costs emerges.<\/p><h2 data-section-id=\"3jm3n0\" data-start=\"5682\" data-end=\"5750\">Why the highest or lowest franchise is often the most relevant<\/h2><p data-start=\"5752\" data-end=\"6104\">In practice, the lowest and highest franchise levels are usually the most attractive. The reason is simple: While the middle franchise levels often seem like a sensible compromise at first glance, they aren&#8217;t always the most financially appealing solution. Frequently, the best economic choice lies between the lowest and highest levels.  <\/p><p data-start=\"6106\" data-end=\"6364\">Our calculator therefore provides a clear classification and a break-even point. This figure shows up to which annual healthcare costs the high deductible is cheaper and from which point the low deductible becomes the more economical choice. <\/p><p data-start=\"6366\" data-end=\"6405\">A typical example from the computer:<\/p><p data-start=\"6407\" data-end=\"6578\">For healthcare costs up to CHF 2,010.67, the highest deductible of CHF 2,500 is more advantageous. For healthcare costs exceeding this amount, the lowest deductible of CHF 300 is more advantageous. <\/p><p data-start=\"6580\" data-end=\"6770\">This is particularly helpful for users because the question no longer remains abstract. Instead of just reading about what a franchise is, they receive direct, comprehensible decision-making support. <\/p><h2 data-section-id=\"1jibzk9\" data-start=\"6772\" data-end=\"6830\">Example for classification: Swiss health insurance franchise<\/h2><p data-start=\"6832\" data-end=\"7138\">Let&#8217;s take a person residing in 6005 Lucerne, born in 2004, with the Premed-24 model policy from Helsana, accident coverage, and annual healthcare costs of CHF 2,000. The calculator shows in this example that the highest deductible of CHF 2,500 is cheaper overall than the lowest deductible of CHF 300. <\/p><p data-start=\"7140\" data-end=\"7527\">Why? Because in this case, the savings on the annual premium are greater than the additional out-of-pocket costs for healthcare. At the same time, the break-even point clearly shows where the turning point lies. This is exactly the kind of information people are looking for when they Google terms like &#8220;health insurance franchise,&#8221; &#8220;Switzerland franchise,&#8221; or &#8220;health insurance franchise.&#8221;   <\/p><h2 data-section-id=\"xv9a2c\" data-start=\"7529\" data-end=\"7602\">Health insurance franchise: Consider not only the premium, but also the risk.<\/h2><p data-start=\"7604\" data-end=\"7985\">Even if a high deductible seems advantageous on paper, it must be financially manageable. Those opting for the highest deductible should have sufficient reserves in case of emergency. Individuals with a high deductible should be prepared to pay up to CHF 3,200 out of pocket in the event of illness, i.e., CHF 2,500 deductible plus a maximum co-payment of CHF 700.  <\/p><p data-start=\"7987\" data-end=\"8268\">That&#8217;s an important point. The best health insurance deductible isn&#8217;t just the mathematically cheapest option, but the one that also suits your financial stability. A low premium is of little use if high medical bills suddenly become a burden when you&#8217;re sick.  <\/p><h2 data-section-id=\"rzku7x\" data-start=\"8270\" data-end=\"8340\">Deductible: What else is important when it comes to medications<\/h2><p data-start=\"8342\" data-end=\"8704\">Regarding health insurance deductibles and co-payments, there is one point that is often forgotten: For certain medications, instead of the usual co-payment of 10 percent, an increased co-payment of 40 percent may apply if a more expensive original preparation is obtained, even though an interchangeable drug with the same active ingredient composition is available.<\/p><p data-start=\"8706\" data-end=\"8895\">This is important in practice because it shows that cost sharing is not only made up of the franchise and normal deductible, but can be higher in individual cases.<\/p><h2 data-section-id=\"6n2jvj\" data-start=\"8897\" data-end=\"8962\">Deductible and accident: when deductible and excess apply<\/h2><p data-start=\"8964\" data-end=\"9398\">If you have accident insurance through your health insurance provider, deductibles and co-payments also apply to accident treatments covered by your health insurance. This differs if a separate accident insurance policy is responsible for coverage. In that case, these cost-sharing arrangements under the accident insurance policy do not apply in the same way as those covered by your health insurance. Deductibles and co-payments therefore only apply if the accident is covered by your health insurance.   <\/p><h2 data-section-id=\"lpjsan\" data-start=\"9400\" data-end=\"9456\">Special rules during pregnancy and maternity<\/h2><p data-start=\"9458\" data-end=\"9880\">Another important point to consider when looking at a good Swiss health insurance deductible website is the exemptions to cost sharing. For specific maternity services, there is no deductible, co-payment, or hospital contribution. From the 13th week of pregnancy until eight weeks after birth, cost sharing is also waived for general medical and nursing care services in case of illness.  <\/p><p data-start=\"9882\" data-end=\"10013\">This is particularly relevant for expectant families, because franchise planning often needs to be reassessed during this phase of life.<\/p><h2 data-section-id=\"a28ao\" data-start=\"10015\" data-end=\"10078\">Vaccinations since 2026: Deductible eliminated, co-payment remains<\/h2><p data-start=\"10080\" data-end=\"10248\">Since January 1, 2026, certain prophylactic vaccinations are no longer subject to a deductible. However, the 10 percent co-payment remains due. <\/p><p data-start=\"10250\" data-end=\"10411\">This is a good example of how current regulatory developments can always play a role in the topic of health insurance deductibles.<\/p><h2 data-section-id=\"qijk38\" data-start=\"10413\" data-end=\"10451\">When can the franchise be changed?<\/h2><p data-start=\"10453\" data-end=\"10613\">A franchise change is only possible at the beginning of a new calendar year. The franchise cannot be freely adjusted during the year. <\/p><p data-start=\"10615\" data-end=\"11028\">For the change to be implemented effectively, it&#8217;s crucial that the application reaches the health insurance company in a timely manner. In practice, a distinction is made between increasing and decreasing the deductible. Since deadlines and formal requirements must be strictly adhered to depending on the situation, the application should always be submitted well in advance. Anyone wishing to change their deductible shouldn&#8217;t wait until the last minute.   <\/p><h2 data-section-id=\"kdq846\" data-start=\"11030\" data-end=\"11112\">Why a franchise calculator is better for making a decision than general tips<\/h2><p data-start=\"11114\" data-end=\"11162\">On the internet you often read simple statements like:<\/p><p data-start=\"11164\" data-end=\"11277\">The high franchise fee is worthwhile for healthy people.<br data-start=\"11215\" data-end=\"11218\">A low deductible is worthwhile when healthcare costs are high.<\/p><p data-start=\"11279\" data-end=\"11541\">That&#8217;s generally true, but it&#8217;s too simplistic. The right decision always depends on the specific premium, the policy model, the place of residence, age, and expected healthcare costs. A deductible calculator is therefore significantly more precise than general rules of thumb.  <\/p><p data-start=\"11543\" data-end=\"11561\">He makes visible:<\/p><ul data-start=\"11563\" data-end=\"11851\"><li data-section-id=\"1dxpshz\" data-start=\"11563\" data-end=\"11610\">how high your annual premium is per franchise<\/li><li data-section-id=\"1eb48cw\" data-start=\"11611\" data-end=\"11661\">how much the net monthly premium changes<\/li><li data-section-id=\"1xsy3sk\" data-start=\"11662\" data-end=\"11723\">what total costs you will incur in your healthcare expenses<\/li><li data-section-id=\"142yaoc\" data-start=\"11724\" data-end=\"11787\">where the break-even point lies between low and high franchise<\/li><li data-section-id=\"1lwlcl3\" data-start=\"11788\" data-end=\"11851\">which franchise is most affordable in your specific case<\/li><\/ul><p data-start=\"11853\" data-end=\"12012\">Especially for search queries like &#8220;franchise health insurance&#8221;, &#8220;health insurance franchise&#8221; or &#8220;franchise Switzerland&#8221;, this is the most practical form of decision support.<\/p><h2 data-section-id=\"1c47qyp\" data-start=\"12014\" data-end=\"12058\">For whom is a high franchise worthwhile?<\/h2><p data-start=\"12060\" data-end=\"12377\">A high deductible can be advantageous if you anticipate low healthcare costs, have financial reserves, and consciously prefer a lower monthly premium. This is particularly attractive if your healthcare costs are below the break-even point indicated by the calculator. <\/p><p data-start=\"12379\" data-end=\"12672\">However, this doesn&#8217;t automatically mean that a high deductible is the best choice. Those with predictable, ongoing medications, who frequently require medical services, or who have to manage a tight budget may find a lower deductible more convenient, even if the monthly premium is higher. <\/p><h2 data-section-id=\"75xsi8\" data-start=\"12674\" data-end=\"12719\">For whom is a deep franchise beneficial?<\/h2><p data-start=\"12721\" data-end=\"13043\">A low deductible is often advisable if higher healthcare costs are expected or if financial predictability is more important than the lowest possible monthly premium. It reduces the risk of high out-of-pocket expenses in case of illness and can be the more economical solution, especially for regular treatments. <\/p><p data-start=\"13045\" data-end=\"13249\">People who consciously want to avoid a high cost risk often choose the lowest deductible. Even if the annual premium is higher, their maximum payout in the event of a claim is clearly limited. <\/p><h2 data-section-id=\"pfvwai\" data-start=\"13251\" data-end=\"13315\">What makes this page better than a simple dictionary explanation?<\/h2><p data-start=\"13317\" data-end=\"13621\">Many websites simply define what a franchise is. That&#8217;s no longer sufficient for a good user experience and strong SEO. Those searching for &#8220;franchise health insurance definition,&#8221; &#8220;what franchise health insurance means,&#8221; or &#8220;franchise and deductible explanation&#8221; are usually looking for three things at once:  <\/p><ul data-start=\"13623\" data-end=\"13730\"><li data-section-id=\"1orp6zd\" data-start=\"13623\" data-end=\"13656\">an understandable definition<\/li><li data-section-id=\"70fm32\" data-start=\"13657\" data-end=\"13687\">a practical classification<\/li><li data-section-id=\"rl5uzb\" data-start=\"13688\" data-end=\"13730\">a help in making one&#8217;s own decision<\/li><\/ul><p data-start=\"13732\" data-end=\"14036\">That&#8217;s precisely why this page combines explanation and calculator. Users not only receive knowledge, but also a concrete application. This improves both the relevance for search engines and the usefulness for AI systems that evaluate content based on clarity, completeness, and practical usability.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t<section class=\"elementor-element elementor-element-59291fb vt-problem-sec vf-left-conclusion insurance e-flex e-con-boxed e-con e-parent\" data-id=\"59291fb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f06c3b4 elementor-widget elementor-widget-heading\" data-id=\"f06c3b4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Conclusion<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9425420 elementor-widget elementor-widget-text-editor\" data-id=\"9425420\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"14048\" data-end=\"14293\">The deductible is one of the most important factors in Swiss basic health insurance. Understanding how the deductible and co-payment interact allows for more informed decisions and a better assessment of one&#8217;s own cost structure. <\/p>\n<p data-start=\"14295\" data-end=\"14418\">The central question is not just: What is a franchise? But above all: Which franchise suits my situation? <\/p>\n<p data-start=\"14420\" data-end=\"14746\">That&#8217;s exactly what our franchise calculator helps with. It shows you at a glance how different franchise levels affect your total annual costs. This allows you to see whether a high or low annual franchise makes more sense, where your personal break-even point lies, and which solution is the best financial option for you.  <\/p>\n<p data-start=\"14748\" data-end=\"14908\">If you want to not only understand the health insurance franchise but also choose the right one, a concrete calculation is always better than a general assumption.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t<section class=\"elementor-element elementor-element-c883fc3 vt-faq-sec vt-compound-faq e-flex e-con-boxed e-con e-child\" data-id=\"c883fc3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2568159 elementor-widget elementor-widget-heading\" data-id=\"2568159\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9d70138 e-con-full vt-accordion-wrap e-flex e-con e-child\" data-id=\"9d70138\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-8d6b3be e-con-full e-flex e-con e-child\" data-id=\"8d6b3be\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3add070 elementor-widget elementor-widget-eael-adv-accordion\" data-id=\"3add070\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"eael-adv-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t            <div class=\"eael-adv-accordion\" id=\"eael-adv-accordion-3add070\" data-scroll-on-click=\"no\" data-scroll-speed=\"300\" data-accordion-id=\"3add070\" data-accordion-type=\"accordion\" data-toogle-speed=\"300\">\n            <div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"what-is-a-franchise-in-health-insurance\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"1\" aria-controls=\"elementor-tab-content-6171\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">What is a franchise in health insurance?<\/span><\/div><div id=\"elementor-tab-content-6171\" class=\"eael-accordion-content clearfix\" data-tab=\"1\" aria-labelledby=\"what-is-a-franchise-in-health-insurance\"><p>The deductible is the fixed amount you pay yourself each calendar year in basic health insurance before the health insurance company contributes to further costs.<\/p>\n<\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"what-does-franchise-health-insurance-mean-explained-simply\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"2\" aria-controls=\"elementor-tab-content-6172\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">What does \"franchise health insurance\" mean, explained simply?<\/span><\/div><div id=\"elementor-tab-content-6172\" class=\"eael-accordion-content clearfix\" data-tab=\"2\" aria-labelledby=\"what-does-franchise-health-insurance-mean-explained-simply\"><p>Simply put, the deductible is your initial annual out-of-pocket expense. Only once this amount is reached does the co-payment come into play, and the health insurance company covers the remaining portion according to legal regulations. <\/p>\n<\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"what-is-the-difference-between-a-franchise-and-a-deductible\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"3\" aria-controls=\"elementor-tab-content-6173\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">What is the difference between a franchise and a deductible?<\/span><\/div><div id=\"elementor-tab-content-6173\" class=\"eael-accordion-content clearfix\" data-tab=\"3\" aria-labelledby=\"what-is-the-difference-between-a-franchise-and-a-deductible\"><p>The deductible is a fixed annual amount. The out-of-pocket expense is then generally 10 percent of the additional costs, up to a maximum of CHF 700 per year for adults. <\/p>\n<\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"what-is-the-maximum-deductible\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"4\" aria-controls=\"elementor-tab-content-6174\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">What is the maximum deductible?<\/span><\/div><div id=\"elementor-tab-content-6174\" class=\"eael-accordion-content clearfix\" data-tab=\"4\" aria-labelledby=\"what-is-the-maximum-deductible\"><p>For adults, the maximum deductible in basic health insurance is CHF 700 per year. For children and adolescents, the maximum is CHF 350. <\/p>\n<\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"which-franchise-makes-sense-in-switzerland\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"5\" aria-controls=\"elementor-tab-content-6175\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">Which franchise makes sense in Switzerland?<\/span><\/div><div id=\"elementor-tab-content-6175\" class=\"eael-accordion-content clearfix\" data-tab=\"5\" aria-labelledby=\"which-franchise-makes-sense-in-switzerland\"><p>It depends on your situation. Those who expect low healthcare costs and have savings often benefit from a high deductible. Those who expect higher healthcare costs or want more predictability are often better off with a low deductible. A deductible calculator will provide the most precise answer.   <\/p>\n<\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"is-the-highest-or-the-lowest-franchise-more-worthwhile\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"6\" aria-controls=\"elementor-tab-content-6176\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">Is the highest or the lowest franchise more worthwhile?<\/span><\/div><div id=\"elementor-tab-content-6176\" class=\"eael-accordion-content clearfix\" data-tab=\"6\" aria-labelledby=\"is-the-highest-or-the-lowest-franchise-more-worthwhile\"><p>In many cases, these two options are the most relevant from a financial perspective. The middle options are not always the most economical solution. Your premium, your chosen plan, your place of residence, and your expected healthcare costs are the deciding factors.  <\/p>\n<\/div>\n\t\t\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0031e85 e-con-full e-flex e-con e-child\" data-id=\"0031e85\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a0e9f24 elementor-widget elementor-widget-eael-adv-accordion\" data-id=\"a0e9f24\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"eael-adv-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t            <div class=\"eael-adv-accordion\" id=\"eael-adv-accordion-a0e9f24\" data-scroll-on-click=\"no\" data-scroll-speed=\"300\" data-accordion-id=\"a0e9f24\" data-accordion-type=\"accordion\" data-toogle-speed=\"300\">\n            <div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"what-does-annual-franchise-mean\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"1\" aria-controls=\"elementor-tab-content-1681\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">What does annual franchise mean?<\/span><\/div><div id=\"elementor-tab-content-1681\" class=\"eael-accordion-content clearfix\" data-tab=\"1\" aria-labelledby=\"what-does-annual-franchise-mean\"><p>An annual deductible means that the deductible always refers to the calendar year. It is therefore calculated per year, not per treatment. The cost-sharing period restarts at the beginning of each year.  <\/p>\n<\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"can-i-change-my-franchise-every-year\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"2\" aria-controls=\"elementor-tab-content-1682\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">Can I change my franchise every year?<\/span><\/div><div id=\"elementor-tab-content-1682\" class=\"eael-accordion-content clearfix\" data-tab=\"2\" aria-labelledby=\"can-i-change-my-franchise-every-year\"><p>Yes, but only at the beginning of a new calendar year. Changing the calendar year mid-year is generally not possible. <\/p>\n<\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"if-i-switch-health-insurance-providers-will-i-have-to-pay-the-franchise-twice\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"3\" aria-controls=\"elementor-tab-content-1683\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">If I switch health insurance providers, will I have to pay the franchise twice?<\/span><\/div><div id=\"elementor-tab-content-1683\" class=\"eael-accordion-content clearfix\" data-tab=\"3\" aria-labelledby=\"if-i-switch-health-insurance-providers-will-i-have-to-pay-the-franchise-twice\"><p>No. The deductible and co-payment are only due once per year. When switching insurers, you need confirmation from your previous insurer of the balance already paid.  <\/p>\n<\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"does-the-deductible-for-medications-always-only-apply-at-10-percent\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"4\" aria-controls=\"elementor-tab-content-1684\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">Does the deductible for medications always only apply at 10 percent?<\/span><\/div><div id=\"elementor-tab-content-1684\" class=\"eael-accordion-content clearfix\" data-tab=\"4\" aria-labelledby=\"does-the-deductible-for-medications-always-only-apply-at-10-percent\"><p>Not always. For certain original medications, the co-payment can be 40 percent if an interchangeable medication with the same active ingredient composition is available. <\/p>\n<\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"are-deductibles-and-excess-payments-also-applicable-in-the-event-of-an-accident\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"5\" aria-controls=\"elementor-tab-content-1685\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">Are deductibles and excess payments also applicable in the event of an accident?<\/span><\/div><div id=\"elementor-tab-content-1685\" class=\"eael-accordion-content clearfix\" data-tab=\"5\" aria-labelledby=\"are-deductibles-and-excess-payments-also-applicable-in-the-event-of-an-accident\"><p>Yes, if the accident is covered by health insurance. However, if a separate accident insurance policy is responsible, this cost sharing does not apply in the same way. <\/p>\n<\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"do-i-have-to-pay-the-deductible-and-co-payment-if-im-pregnant\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"6\" aria-controls=\"elementor-tab-content-1686\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">Do I have to pay the deductible and co-payment if I'm pregnant?<\/span><\/div><div id=\"elementor-tab-content-1686\" class=\"eael-accordion-content clearfix\" data-tab=\"6\" aria-labelledby=\"do-i-have-to-pay-the-deductible-and-co-payment-if-im-pregnant\"><p>No, this does not apply to special maternity benefits. Furthermore, from the 13th week of pregnancy until eight weeks after birth, cost sharing is also waived for general medical services and nursing care in case of illness. <\/p>\n<\/div>\n\t\t\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Franchise health insurance The deductible in your health insurance directly impacts your premium and the out-of-pocket costs you in case of illness. Our deductible calculator allows you to quickly and clearly see which deductible might suit your personal situation and how different options affect your total annual costs. Because premiums, healthcare costs, age, place of [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-13887","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Swiss health insurance franchise explained simply<\/title>\n<meta name=\"description\" content=\"Easily understand and choose the optimal franchise health insurance. 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Compare costs, premiums, and potential savings.","og_url":"https:\/\/www.vitafinance.ch\/en\/franchise-health-insurance\/","og_site_name":"Vita Finance","article_modified_time":"2026-04-27T11:49:42+00:00","og_image":[{"width":824,"height":714,"url":"https:\/\/www.vitafinance.ch\/wp-content\/uploads\/2026\/03\/Group.webp","type":"image\/png"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"14 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.vitafinance.ch\/en\/franchise-health-insurance\/","url":"https:\/\/www.vitafinance.ch\/en\/franchise-health-insurance\/","name":"Swiss health insurance franchise explained simply","isPartOf":{"@id":"https:\/\/www.vitafinance.ch\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.vitafinance.ch\/en\/franchise-health-insurance\/#primaryimage"},"image":{"@id":"https:\/\/www.vitafinance.ch\/en\/franchise-health-insurance\/#primaryimage"},"thumbnailUrl":"https:\/\/www.vitafinance.ch\/wp-content\/uploads\/2026\/03\/Group.webp","datePublished":"2026-04-09T09:43:53+00:00","dateModified":"2026-04-27T11:49:42+00:00","description":"Easily understand and choose the optimal franchise health insurance. 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