CALCULATORS

Deductible calculator 2026

Premium and cost sharing combined: find the deductible that costs the least for your expected health costs.

Expected health costs per year (CHF)Postcode / town

Age groupModelAccident cover

If you are employed for at least 8 hours a week, you are insured against accidents through your employer and can exclude accident cover.

Best choiceDeductible 2’500Cost per year: CHF 7’223

Deductible (CHF)	Premiums	Deductible + co-payment	Cost per year
300	CHF 7’262	CHF 420	CHF 7’682
500	CHF 7’123	CHF 600	CHF 7’723
1’000	CHF 6’773	CHF 1’050	CHF 7’823
1’500	CHF 6’422	CHF 1’500	CHF 7’922
2’000	CHF 6’073	CHF 1’500	CHF 7’573
2’500Best choice	CHF 5’723	CHF 1’500	CHF 7’223

Premiums
Deductible + co-payment

Basis: the cheapest offer in the selected model in each case. Co-payment 10 % up to max. CHF 700 per year. Set aside the difference between a low and a high deductible as a reserve – so a large bill won't catch you unprepared.

Source: BAG, genehmigte Prämien 2026 (priminfo.admin.ch); Kostenbeteiligung nach KVG/KVV · Estimates only, without guarantee. Your tax assessment and the information from your employer and insurer are authoritative.

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