Deductible Calculator 2027
CHF 300 or 2'500? Enter your premiums and your health costs. We show you which deductible (in Switzerland called «franchise») costs you the least over the year and what your most expensive year could cost you.
Example values: average adult premium 2027 and a typical premium with deductible 2'500. You find your premiums on priminfo.admin.ch or in your premium letter.
Enter premiums for 500 to 2'000 (optional)
If you leave them empty, the calculator estimates these premiums from your two amounts. With the real figures from your premium letter, the result is more accurate.
Your costs per year depending on your health costs
Premium, deductible and co-payment combined. The dashed line shows your input.
| Deductible | Premium per year | Deductible and co-payment | Total per year | At most |
|---|
«At most»: what you pay in the most expensive case, with the full deductible and the co-payment of CHF 700. On top of that comes CHF 15 per day in hospital.
Your notice must reach your health insurer by then. The same day is also the deadline for switching insurer, and our health insurance helper takes care of the letter.
There is no notice period for this. Still, tell your health insurer early, many insurers let you do it in their customer portal. The new deductible applies from 1 January 2027.
Note: The calculator applies to adults aged 19 and over in basic (compulsory) health insurance. It uses a co-payment of 10 % up to CHF 700 per year. The hospital contribution, special rules (for example for maternity or the 40 % co-payment for an original medicine when a cheaper generic exists) and supplementary insurance are not included. The estimated premiums for 500 to 2'000 are approximations. No insurance advice.
Choosing a deductible: low premium or low risk
What the calculator does
Your costs for basic health insurance have three parts: the premium, the deductible and the co-payment. You always pay the premium. You pay the deductible as soon as you see a doctor or need medicines, up to the amount you chose. After that, your health insurer covers 90 % of the costs and you pay the remaining 10 % as a co-payment, at most CHF 700 a year. The calculator adds everything up and shows you what you pay per year for each of the six deductibles, based on your health costs.
Why usually only 300 or 2'500 make sense
For every higher deductible, health insurers give you a discount on the premium. The law allows at most 70 % of the additional risk: if you choose 2'500 instead of 300, you carry CHF 2'200 more yourself and get at most CHF 1'540 discount per year in return. Many insurers give almost the full discount at 2'500 but often less at the levels in between. That is why the middle deductibles rarely pay off. If you are healthy and have hardly any costs, you save with 2'500. If you need to see a doctor regularly, you are better off with 300.
Before you switch to 2'500
- Reserve: With a CHF 2'500 deductible, you pay up to CHF 3'200 yourself in an expensive year: the full deductible and then a 10 % co-payment up to CHF 700. This amount must be available at any time so you can pay the bills on time. If you do not have this reserve, a lower deductible is the safer choice. We show you how to build it up in our article on the emergency fund.
- Planned treatment: If an operation, a pregnancy or a longer therapy is coming up, calculate with the higher costs.
- Commitment: With an optional higher deductible, you can only switch health insurer at the end of the year, not at the end of June.
Ideally, put the premium difference into a separate account every month. Then an expensive year hurts less and in good years your reserve grows.
Frequently asked questions about the deductible
Which deductible pays off?
It depends on your health costs. With most insurers, the CHF 2'500 deductible pays off as long as your costs stay below roughly CHF 2'000 a year. If you regularly have higher costs, CHF 300 is cheaper. The levels in between rarely pay off. With your own premiums, the calculator above shows you the exact threshold.
How much of a reserve do I need with a high deductible?
As much as the deductible plus the maximum co-payment of CHF 700. With a CHF 2'500 deductible that is CHF 3'200, with CHF 1'500 it is CHF 2'200. This money should be available at any time, for example in a savings account. After an accident or an operation the bills often arrive all at once and are usually due within 30 days. If you cannot keep this amount available, choose a lower deductible, even if the premium is higher.
By when can I change my deductible for 2027?
You can choose a higher deductible until the end of the year, it applies from 1 January 2027. For a lower deductible, your notice must reach your health insurer by Monday, 30 November 2026. The same deadline applies if you want to switch insurer. Our health insurance helper creates the cancellation letter for you.
What counts as health costs?
Everything that basic health insurance pays for: doctor visits, outpatient hospital treatment, prescription medicines, lab tests, physiotherapy on prescription. Dentist, glasses and supplementary insurance benefits do not count. The easiest way is to use last year's benefit statements from your health insurer, many insurers show the total in their customer portal.
How does the co-payment work?
Once your costs exceed the deductible, you pay 10 % of further costs yourself, for adults no more than CHF 700 a year. On top of that comes a hospital contribution of CHF 15 per day in hospital. For maternity there is no deductible and no co-payment. Children have no standard deductible and their co-payment is capped at CHF 350.
Will the minimum deductible go up?
In March 2026 the Federal Council proposed raising the minimum deductible from CHF 300 to CHF 400. The proposal went through public consultation and Parliament has not yet decided. For 2027 the minimum remains CHF 300.
Keep all your fixed costs in view
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