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Old 28.12.2011, 18:18
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First time insurance in Switzerland

I have been looking for an inexpensive solution as I am a student and found Swisscare. However, I never had an insurance before so I got a little bit confused about different franchise/deductible conditions.

CHF 72.00 | month : deductible CHF 500
CHF 86.50 | month : deductible CHF 300

Could please somebody tell me if it is all right to get an insurance for CHF72/month?

I appreciate your attention.
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Old 28.12.2011, 19:50
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Re: First time insurance in Switzerland

well actually you are quite lucky to be able to benefit from this insurance as it is only available for students, temporary workers, university research staff etc. The "normal" insurance with say 1500 CHF franchise would cost you something like 300 CHF

Now that you are happy to hear above, depending on how often you go to doctors you could opt for a higher franchise cover and pay less per month, but since the difference is not much so you could even go for 300 CHF franchise.

And yes, by all means go for this cover; I know many people who were with swisscare and all of them were happy.
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Old 28.12.2011, 20:04
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Re: First time insurance in Switzerland

Basically what these franchisees mean are the amounts you have to self pay towards any medical expenses before the health fund will contribute.

300CHF means you pay the mnnthly amount of 86.50 while the 500CHF means you pay 72.50

If you are healthy and don't expect to go to a doctor much the higher franchise works best if however you expect to need one then the higher monthly premium is advised sine you will reach the point of the health fund paying faster that way.
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Old 04.01.2012, 14:48
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Re: First time insurance in Switzerland

Well, thanks a lot for this explanation!
I'll have to think which option is more suitable for me but at least now I clearly know what's the difference.
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