In 3 steps: make a few quick choices, see a recommendation with a chart, then compare real premiums.
Step 1 of 3
An honest estimate is enough.
2026 reference figures. Out-of-pocket share 10%, max. CHF 700 (adults) or CHF 350 (children) per year. Notify your insurer of any deductible change by 30 November.
A service by FINWIWO AG · non-tied insurance intermediary · free and non-binding
Free and non-binding · FOPH-approved 2026 tariffs · for all cantons
The deductible is the amount you pay yourself each year before your insurer takes over. A higher deductible means a lower premium. After that, you contribute to the costs with a 10% out-of-pocket share, capped at CHF 700 per year for adults or CHF 350 per year for children.
If you are rarely ill and have low medical costs, you are best off with the highest deductible (CHF 2500). If you have a chronic illness, need regular treatment or are planning a pregnancy, it is better to choose the lowest deductible (CHF 300). Mid-range deductible tiers are rarely worthwhile, because the premium discount usually does not offset the higher cost risk.
You must report a change of deductible to your health insurer by 30 November for the following year.
