kk-franchise.ch

Which deductible pays off for you?

Enter where you live and what medical costs you expect next year. You see straight away which deductible gives you the lowest total cost.

1

Your situation

Three short steps. The comparison updates as you type.

Your profileSets which official premiums apply

Age group
From 26, everyone pays the same premium, whatever their age.
 
Accident cover
Choose “without” if you work 8 or more hours a week for one employer.

Premiums comparisonWhich offers fill the table

Insurance model
What do the models mean?
  • Standard: free choice of doctor.
  • Family doctor / HMO: you always go to your family doctor or an HMO practice first.
  • Telmed: before seeing a doctor you call a medical advice line (or use an app).
  • Other models: combinations, e.g. family doctor, Telmed or pharmacy as first contact, your choice per case.
What would you like to compare?
Insurer and plan
Cheapest first. You can still change a single column in the table below.

Expected medical costs in 2027How much do you expect to spend in 2027 on medical costs covered by basic insurance?

CHF
What counts as basic insurance costs?
  • Counts: doctor and specialist visits, hospital stays (the insurer's share), medicines on the official list, lab tests, prescribed physiotherapy, maternity care.
  • Does not count: dentist, glasses and contact lenses for adults, most alternative medicine, single rooms, anything covered only by supplementary insurance.
  • Tip: your insurer's statements from this year show your total bills.
CHF
Lowers every column by the same amount, so the cheapest deductible stays the same.

Comparison

Amounts per year · you can edit any monthly premium
2

Break-even

Overview of the cheapest deductible (total cost) for every level of medical costs.

Cheapest deductible by cost range

Medical costs per year, using the premiums in the table.

    Premium, deductible, retention fee, models and switching deadlines explained: General information →