Those who are prepared to shoulder more responsibility and choose a higher deductible accordingly can reduce his premiums by up to 50 %.
With basic insurance, you can increase the deductible. This way, your premiums are lowered. It is advisable to have the amount of money equal to the deductible in reserve so that you can pay your share of the costs for a doctor's visit, a hospital stay, or other expenses with no problem. The following table shows the maximum allowable discounts prescribed by law. CONCORDIA guarantees this entirely.
Increasing the deductible: Save on basic insurance
Optional Deductable
With Mandatory Health Care Insurance, you can choose your deductible and optimise, which allows you to therefore save on premiums:
| Annual deductible | Discount per year1 | |
|---|---|---|
| CHF 0 CHF 100 CHF 200 CHF 300 CHF 400 CHF 500 CHF 600 | - 12 %, max. CHF 70 27 %, max. CHF 140 37 %, max. CHF 210 44 %, max. CHF 280 45 %, max. CHF 350 46 %, max. CHF 420 | up to the age of 18 |
| CHF 300 CHF 500 CHF 1'000 CHF 1'500 CHF 2'000 2 CHF 2'500 2 | - 4 %, max. CHF 140 20 %, max. CHF 490 30 %, max. CHF 840 up to 40 %, max. CHF 1,190 up to 50 %, max. CHF 1,540 | from the age of 19 |
1 The deduction in francs (including all additional reductions from HMO, myDoc or accident exclusion) may not exceed the half of the standard base premium (with accident coverage) in accordance with legal guidelines.
2 For insured persons between the ages of 19 and 25, insurance providers must pay considerable contributions into the risk compensation fund. For this reason, discounts for this age group at the optional deductible rates of CHF 2,000 and CHF 2,500 are lower than those for the rest of the adults.