Each year, you yourself must pay the deductible for benefits from basic insurance. You can choose between different levels of deductibles.
The standard or statutory deductible rate for adults is CHF 300. With higher deductibles of CHF 500, CHF 1'000, CHF 1'500, CHF 2'000 or CHF 2'500, you can save considerably on premiums of basic insurance. This becomes suitable if you can pay the amount of the deductible without a problem in case of emergency.
You can increase the deductible at the beginning of each calendar year.