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| If seeing a doctor is like 300 CHF a pop, picking a high deductible makes little sense. Can someone thus estimate the cost of getting sick a couple of times a year? | |
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I would agree with Marie. A standard doctors visit would be around that price.
If you get strep-throat twice a year for example, have blood tests done, have to take antibiotics etc. let's say it all comes to 400.-. (I think it would actually be less than that).
Example
You have a 300.- deductible.
Of the 400.-, you have to pay the first 300.-.
That leaves 100.-.
You have to pay 10%. 10% x 100.- = 10.-
The insurance company will reimburse you 90.- of the total amount.
Personally, I don't think it's worth paying 1'700.- extra in premiums p.a. to get 90.- back from them.
(using the figures from the example in the first post)