What is the deductible?
The deductible is what you pay out-of-pocket each year before the insurer reimburses. In basic LAMal, you choose between CHF 300 (min, highest premium) and CHF 2,500 (max, lowest premium). Above the deductible, 10% co-payment up to CHF 700/year cap.
Break-even math
For an adult moving from CHF 300 to CHF 2,500 deductible, you risk at most CHF 2,200 extra in care (the legal difference between the two). In return the monthly premium drops, by an amount each insurer sets. If the yearly premium saving exceeds the care you actually pay, the high deductible wins; otherwise the low one does. For most healthy insured, CHF 2,500 often wins over time. Compute the break-even with your insurer's exact premium gap.
When low deductible still makes sense
Three cases: chronic condition needing regular care (>CHF 2,500/yr predictable), planned pregnancy, scheduled surgery. Polia tip: recalculate every fall — you can adjust deductible for next year before November 30.
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