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Old 15.05.2007, 20:02
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Question about franchise (deductable)

I'm shopping around for insurance and I'm familiar with the franchise (deductible) in the US system, but haven't been able to find much info on how the Swiss do it. For instance, I know there is a compulsory 300CHf franchise for the year per adult. Is the franchise only used when hospitalization occurs? What does a patient pay for a standard doctor's appointment? What about prescriptions?

Also, do I, as an employee need to be covered for accidents, or is that covered by my accident insurance that the employer provides?
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Old 15.05.2007, 20:32
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Re: Question about franchise (deductable)

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I'm shopping around for insurance and I'm familiar with the franchise (deductible) in the US system, but haven't been able to find much info on how the Swiss do it. For instance, I know there is a compulsory 300CHf franchise for the year per adult. Is the franchise only used when hospitalization occurs? What does a patient pay for a standard doctor's appointment? What about prescriptions?
The 300 applies to any medical expense. Depending on your policy, you might also have to bear 10% of the costs once you bust the franchise treshold

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Also, do I, as an employee need to be covered for accidents, or is that covered by my accident insurance that the employer provides?
Employer if you work more than 8h a week.
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Old 15.05.2007, 20:41
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Re: Question about franchise (deductable)

Krankenkassen Prämien vergleichen, Wohnung und Immobilien finden, Hypotheken Börse.

can help.


But I would suggest you to use the search option in EF.
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Old 16.05.2007, 20:35
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Re: Question about franchise (deductable)

I have searched on here, but don't get too much detail on how the nuances of franchises. For instance, in the US (and I know we have one messed up system, but it's the one I know). I have a $1500 deducatble currently, but the deductable doesn't come into play when I see my General Practitioner for a "normal" appoitment EG I have the flu. I give a $20 "co-pay" and the insurance company covers the rest. If I need some other medical treatment or tests, like X-rays, MRIs, etc. That's when the deductable kicks in. If I get a 1500CHf franchise, do I need to pay that 1st regardless of what expenses occur (check-up, prescriptions, etc)?

P.S. I have checked Comparis too. Also no great detail.
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Old 16.05.2007, 20:55
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Re: Question about franchise (deductable)

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If I get a 1500CHf franchise, do I need to pay that 1st regardless of what expenses occur (check-up, prescriptions, etc)?
Exactly. You will pay all expenses up to CHF 1500 by yourself. In addition you will have to pay 10% "Selbstbehalt" of any expenses exceeding the franchise. The Selbstbehalt is capped at CHF 700 p.a., e.g. if you select the CHF 1500 franchise, you'll end up paying CHF 2200 p.a. in the worst case, i.e. if the annual expenses amount to CHF 8500 or more.
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Old 17.05.2007, 15:47
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Re: Question about franchise (deductable)

Is there anything that's exempted (or included, depending on how you look at it)? For example: a woman needs to visit the OB-GYN at least 10 times during pregnancy. In a situation like that it seems that if one has to pay their franchise for any medical care at all, they would choose the lowest franchise. In my current insurance in the US pregnancy was kind of a "special circumstance" that didn't impact the deductable. So, and I know I repeating a question that has probably been answered: are there any circumstances that are considered exempt/included where the franchise is not considered? Like pregnancy, an annual check-up?

Sorry to beat a dead horse. I'm just trying to get my brain wrapped around it.
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Old 17.05.2007, 16:40
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Re: Question about franchise (deductable)

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Is there anything that's exempted (or included, depending on how you look at it)? For example: a woman needs to visit the OB-GYN at least 10 times during pregnancy. In a situation like that it seems that if one has to pay their franchise for any medical care at all, they would choose the lowest franchise. In my current insurance in the US pregnancy was kind of a "special circumstance" that didn't impact the deductable. So, and I know I repeating a question that has probably been answered: are there any circumstances that are considered exempt/included where the franchise is not considered? Like pregnancy, an annual check-up?

Sorry to beat a dead horse. I'm just trying to get my brain wrapped around it.
No special circumstances as far as I'm aware of. Might want to check your policy details but in general everything impacts the deductible.
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Old 17.05.2007, 18:01
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Re: Question about franchise (deductable)

Thanks. I guess I'm done asking this question now.
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Old 17.05.2007, 19:48
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Re: Question about franchise (deductable)

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No special circumstances as far as I'm aware of. Might want to check your policy details but in general everything impacts the deductible.
Me and my wife have a 1500 CHF Franchise, basic insurance. My wife got pregnat, insurance paid everything, excluding some vitamins.
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Old 17.05.2007, 19:58
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Re: Question about franchise (deductable)

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Me and my wife have a 1500 CHF Franchise, basic insurance. My wife got pregnat, insurance paid everything, excluding some vitamins.
In Switzerland pregnancy and birth is covered by the insurance companies(or Govt) and it doesn't goes into your franchise. Our all medical bills (including hospital bills) are paid without touching the Franchise.
But there is a restriction of time means you have to be insured for more than 9 months (depend on the insurance companies).
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Old 17.05.2007, 21:10
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Re: Question about franchise (deductable)

Rats. You guys just contradicted everything Shorrick said. However, it was good news, so you're given a pass.

Next question: mind if I ask what scheme you guys are in; what scheme covers the pregnancy, or is it all of them?

Thanks for the good news!
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Old 17.05.2007, 21:14
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Re: Question about franchise (deductable)

did you see these
Health Insurance FAQs
Medical Insurance
Health System in CH and insurance
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Old 17.05.2007, 22:10
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Re: Question about franchise (deductable)

Sorry, not being of the fair sex i tend to not think of the maternity exception so as I speedread your post I zapped straight to annual checkup.

For normal pregnancies you will get 2 echographies and eight exams, seven before, one after; also giving birth fees.
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Old 21.05.2007, 20:13
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Re: Question about franchise (deductable)


I had seen one of them. Very helpful though, thanks for the info.
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