Franchise Break-Even Point

At what yearly healthcare cost does a lower franchise start to pay off?

Premium saving with high franchiseCHF 1'020

Total yearly cost – depending on Expected yearly medical costs

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How the deductible, 10 % co-payment and managed-care models affect your yearly cost.

How alternative insurance models work, who benefits and what you give up.

Mandatory insurance, the sensible extras and the policies that are often oversold.

Find the franchise (deductible) with the lowest total yearly cost for an adult.

Children’s franchise options range from CHF 0 to 600; out-of-pocket is capped at CHF 350 per year.

Your worst-case cost in a year: premiums, franchise, 10 % deductible and hospital contribution.

Estimate the coverage that protects your family’s income if you die.

Compare your income with benefits from IV and your pension fund if you become disabled.

See how much of your salary is covered by compulsory accident insurance.