FrancSense Swiss money, explained

Health Insurance Deductible Optimizer

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

Best franchiseCHF 2500
Total cost with best franchise
CHF 4'740
Worst case with best franchise
CHF 6'740
FranchisePremiums / yearOut-of-pocketTotal
300CHF 4'680CHF 390CHF 5'070
500CHF 4'560CHF 570CHF 5'130
1'000CHF 4'260CHF 1'020CHF 5'280
1'500CHF 4'020CHF 1'200CHF 5'220
2'000CHF 3'780CHF 1'200CHF 4'980
2'500CHF 3'540CHF 1'200CHF 4'740
  • Premiums / year
  • Out-of-pocket
02k4k6kPremiums / year – 300: CHF 4'680Out-of-pocket – 300: CHF 390300Premiums / year – 500: CHF 4'560Out-of-pocket – 500: CHF 570500Premiums / year – 1000: CHF 4'260Out-of-pocket – 1000: CHF 1'0201000Premiums / year – 1500: CHF 4'020Out-of-pocket – 1500: CHF 1'2001500Premiums / year – 2000: CHF 3'780Out-of-pocket – 2000: CHF 1'2002000Premiums / year – 2500: CHF 3'540Out-of-pocket – 2500: CHF 1'2002500
Franchise – Premiums / year + Out-of-pocket

How it works

Health insurance deductibles (franchise) trade a higher yearly cost you pay yourself for a lower premium. The optimizer compares the total cost for each deductible option using your expected healthcare spending, and shows the cheapest one for you.

Learn more

🛡️ Insurance & Health

Swiss Health Insurance: Choosing Your Franchise and Model

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

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Supplementary Health Insurance and Premium Subsidies

What supplementary insurance covers, when it pays off and how to claim cantonal premium reductions.

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How to Switch Your Health Insurer: Steps, Deadlines and Pitfalls

The yearly process for changing basic insurance and what to do with supplementary cover.

4 min read3 calculatorsRead guide →

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