LAMal deductible comparator
Based on your expected health costs, compare the total annual cost (premium + cost-sharing) for each deductible and identify the most advantageous one.
How your cost-sharing is calculated (legal facts)
- • You first pay your deductible on your health costs for the year.
- • Beyond the deductible, you pay a 10% co-payment of the costs.
- • This co-payment is capped at CHF 700 per year for an adult.
Estimate of your annual health spending (consultations, medication…).
Premiums: FOPH 2026 (priminfo.admin.ch), cheapest premium in the canton per deductible. Cost-sharing: LAMal legal rule (10% co-payment, CHF 700/year cap for an adult).
Source : OFSP — primes 2026 (priminfo.admin.ch) — Primes officielles OFSP 2026. Vérifiez votre situation exacte sur priminfo.admin.ch.
Frequently asked questions — deductibles
- Which deductible is the most advantageous?
- It depends on your expected health costs: a high deductible reduces the premium but increases your cost-sharing when you need care. The comparator calculates the total cost (premium + cost-sharing) for each tier to find the lowest.
- How does the 10% co-payment work?
- Beyond your deductible, you pay 10% of the remaining costs (co-payment), capped at CHF 700 per year for an adult (CHF 350 for a child).
- Can I change my deductible every year?
- Yes: the deductible can be changed effective 1 January, observing the cancellation/adjustment deadlines with your insurer.