Insurance Models

Compare alternative insurance models - decent & selectable deductibles

Insurance with a regular franchise and selectable franchises

Choosing a higher franchise

In the regular insurance, the deductible (annual amount with which you contribute to the costs) is 300 francs for adults. Children (up to the age of 18) do not pay a deductible under regular insurance. You can choose a higher deductible and pay lower premiums for it. For adults they are 500, 1000, 1500, 2000 and 2500 francs, for children 100, 200, 300, 400, 500 and 600 francs. The health insurance companies do not have to offer all optional deductibles. You can offer different deductibles for adults and young adults (from 19 to 25 years of age).

Premium discounts for the optional deductibles

  • The health fund must charge a minimum premium of 50 percent of the regular premium with accident coverage for the age group and premium region of the person concerned. This must not be undercut, not even in the case of insurance without accident coverage or in the case of a combination with an insurance that restricts the choice of service provider.
  • In addition, a maximum discount of 70 percent of the additional risk assumed may now be granted. The corresponding amount (in Swiss francs) is listed in the following table: first line: deductible; second line: maximum annual discount. However, this is only granted if the minimum premium is reached.
Adults Children
Franchise 500 1000 1500 2000 2500 100 200 300 400 500 600
Maximum annual discount 140 490 840 1190 1540 70 140 210 280 350 420


An HMO is an organization of doctors who organize themselves in a group practice (HMO = Health Maintenance Organization). In addition to general practitioners, specialists and therapists from various fields work in the HMO center. With this model, you always consult your doctor in the HMO practice first (except in emergencies). If necessary, you will be referred from there to specialists (where available within the HMO practice, otherwise outside).

Family doctor model

A family doctor network is a regional association of free general practitioners. As an insured person, you can choose one of these doctors as your family doctor and thus forego the free choice of doctor.

You undertake to always consult your family doctor first. This person is the first point of contact and coordinator for all medical matters (except in emergencies) and decides whether he or she can carry out the treatment himself or whether a specialist doctor needs to be called in.

Other Models

Advance telephone consultation

Various insurers offer models that provide for medical advice over the phone before each visit to the doctor. This restriction also allows you to save on premiums.


The premium is reduced every year in which you do not receive any benefits. The starting premium is 10% higher than the regular premium and the deductible cannot be increased. The premium can drop to half of the initial premium within 5 years.

You can obtain more information about these models from the relevant health insurance company.

The choice of health insurer and the level of coverage is a very personal matter. Therefore, clarify your individual needs and carefully check the premium savings models offered, e.g. with regard to the restrictions on treatment options (limited choice of doctor, hospital, pharmacy or medication), the distance to the nearest HMO location, cash payment for medication or the service offered by the health insurance company (with some insurance companies, contact with the insured is primarily via the Internet). If you have any questions, please contact the health insurer in question directly.