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  #41  
Old 30.03.2012, 14:21
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Re: Deductible / Excess / Franchise - which is the best one to choose?

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Deductible / Excess / Franchise [health insurance] - which is the best one to choose?
is spot on

either go with the minimum franchise or the maximum - anything inbetween is pointless

I made a similar graph for my own insurance and the results were identical
I agree that the graph is the best tool for really understanding this decision. I just want to point out that, in line with the first post in this thread, those lines should level off at some point, as the maximum 10% cost sharing after you reach the full deductible/franchise is 700chf, i.e., 7000 chf additional in hypothetical medical bills post-franchise. This also means that the gulf widens a bit between the maximum and minimum franchise alternatives after you exceed 7300 chf in med bills. The line for the minimum franchise levels out (300 chf franchise + 7000 in med bills) but the maximum franchise still has a way to go before it stops accumulating 10 chf of out of pocket expense for every 100 chf in medical bills.

On my graph (which will vary from yours based on location, age, and insurer), the difference between max and min gets to be 868 chf at 9500 chf in med bills (2500 + 7000). But I agree with BenderRules that your problems probably are larger than 868 chf extra out of pocket once you're medical situation is incurring over 10,000 chf worth of reimbursable expenses.

The most relevant question is whether you can reasonably predict whether your bills will go past the point where the maximum franchise line crosses over the minimum franchise line. For me, that point is at 1800 chf. Having never sought medical care in Switzerland, however, I have no good way to make that prediction.
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  #42  
Old 12.09.2012, 12:36
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Re: Deductible / Excess / Franchise - which is the best one to choose?

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I agree that the graph is the best tool for really understanding this decision. I just want to point out that, in line with the first post in this thread, those lines should level off at some point, as the maximum 10% cost sharing after you reach the full deductible/franchise is 700chf, i.e., 7000 chf additional in hypothetical medical bills post-franchise. This also means that the gulf widens a bit between the maximum and minimum franchise alternatives after you exceed 7300 chf in med bills. The line for the minimum franchise levels out (300 chf franchise + 7000 in med bills) but the maximum franchise still has a way to go before it stops accumulating 10 chf of out of pocket expense for every 100 chf in medical bills.

On my graph (which will vary from yours based on location, age, and insurer), the difference between max and min gets to be 868 chf at 9500 chf in med bills (2500 + 7000). But I agree with BenderRules that your problems probably are larger than 868 chf extra out of pocket once you're medical situation is incurring over 10,000 chf worth of reimbursable expenses.

The most relevant question is whether you can reasonably predict whether your bills will go past the point where the maximum franchise line crosses over the minimum franchise line. For me, that point is at 1800 chf. Having never sought medical care in Switzerland, however, I have no good way to make that prediction.

Here you have a graph with the corrections you mentioned, for a fiducial insurance company. I completely agree with you that it only makes sense to decide between maximum or minimum franchise. Unfortunately this year I had to go quite frequently to the doctor, for several minor things. So I guess that my yearly expense might be indicative of an average healthy person with a not specially good year. And interestingly my expenses are around the point where minimum and maximum franchises cross... Which is indicating me that the insurance companies have done their homework...

I would rather say that for an average healthy person, the maximum franchise is, most of the time, more money-saver. But, as you can see in the graph, if you cross the line that lies between 1600-1800.-/year of medical expenses you can end up paying around 700-800.-/year more than having the minimum franchise.
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  #43  
Old 04.12.2013, 06:46
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Re: Deductible / Excess / Franchise - which is the best one to choose?

Hello...more thanks for infos here to all guys...
Until 2013 I had the European Health card from Greek Public Insurance.
Now we have to start health insurance in Switzerland.
I have B residence permit in CH (Zuerich Canton).
I found this company
Ιs compatible with Swiss law? Send me a Swisscare Expatriate Product Comparison that attach it.
Can you help me?
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File Type: pdf 2013 Swisscare Expatriate Product Comparison.pdf (380.0 KB, 648 views)
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  #44  
Old 12.06.2016, 22:02
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Re: Deductible / Excess / Franchise - which is the best one to choose?

Inspired by earlier posts on this thread, I created a Google Spreadsheet that plot the deductible graphs. Feel free to share:

https://docs.google.com/spreadsheets...gid=1513110340
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  #45  
Old 01.11.2018, 10:01
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Re: Deductible / Excess / Franchise - which is the best one to choose?

Two years later. Have there been any significant changes to the rules that would affect the principle "If you have big bills, the lowest deductible is best"?
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  #46  
Old 01.11.2018, 10:49
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Re: Deductible / Excess / Franchise - which is the best one to choose?

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Two years later. Have there been any significant changes to the rules that would affect the principle "If you have big bills, the lowest deductible is best"?

no
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  #47  
Old 03.11.2018, 11:34
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Re: Deductible / Excess / Franchise [health insurance] - which is the best one to cho

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N.B. There is no deductible on supplementary cover with most companies so osteopaths for example, do not count towards your deductible. This is only for basic cover.

I am with SWICA (most basic) and considering adding dental cover as a "supplimentary". The model they use is they will pay 50% of costs up to 500, 100, 1500, 2000 and the supplimentary cost varies accordingly.


Am I correct to assume this is completely separate from the basic cover I have for health? My "franchise" for basic is CHF2500 but I want to include dental...


So if I get a dental bill for 500, potentially:


1. I get nothing as this is below the basic franchise amount
2. I get 250 as 50% of the cost based on my supplimentary agreement


If 2. then does the 250 I paid count towards my overall basic franchise of 2500 (reducing it to 2250)?
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  #48  
Old 11.01.2019, 00:31
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Re: Deductible / Excess / Franchise [health insurance] - which is the best one to cho

Looking into getting a semi-private extra insurance for my soon to be born child, I noticed that there is the option of a deductible also in this case, though (at least on comparis.ch) the proposed amounts range from 0 to 5000, rather than 0 to 600, which is the case for the basic insurance.

On what would I have to pay such franchise? I guess it's on the extra costs of being in a semi-private ward? What about the free choice of doctor which comes with it? What is recommended here? A low or high franchise?

Thanks,
G
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