Overview
Swiss basic health insurance is mandatory, but the right choice is not just the cheapest monthly premium. A useful review balances predictable costs, freedom of choice, real healthcare use and the maximum risk you are willing to carry during the year.
What I check
- Premium and model comparison
- Deductible CHF 300 vs CHF 2,500 analysis
- HMO, family doctor, Telmed and standard model review
- Supplementary hospital, dental, glasses and alternative medicine cover
- Identification of duplicate or low-value coverage
When it is useful
- Your premium increased and you do not know why
- You use an intermediate deductible
- You have old supplementary policies
- You moved or your family/work situation changed
- You want to compare savings and yearly risk
Useful documents to prepare
- Current health insurance policy
- Latest premium invoice or new premium notice
- Supplementary coverage overview
- Approximate yearly healthcare costs
- Letters or offers received from insurers
Deductible CHF 300 or CHF 2,500?
For many adults the meaningful choice is often between the two extremes: CHF 300 for high or recurring healthcare costs, CHF 2,500 when healthcare use is low and you accept a higher yearly risk.
Intermediate deductibles may look like a compromise, but often provide neither the maximum premium saving of CHF 2,500 nor the protection of CHF 300. Real premiums must always be checked.
When changing may not be necessary
If the premium is competitive, the deductible matches your costs and the supplementary coverage is still useful, the best decision may be to keep the current solution.