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Health insurance deductible in Switzerland: how to choose the right level
The right deductible is not the same for everyone. Here is how to reason based on budget, care frequency and each member of the household.
By Le Prix Malin - 3 February 2026
Thinking in total yearly cost
A higher deductible lowers the premium but increases the share of medical costs you absorb yourself. The smartest way to choose is to compare the total annual cost in realistic care scenarios.
Within a household, the right answer may differ from one person to another. A deductible should remain financially comfortable even in a year with more medical needs than expected.