Choice of Deductible

In order to choose the deductible, the personal situation must be well evaluated.
For example with Sanitas (Netmed1) for 2025, municipality of Embrach (ZH) adult person we will have a maximum cost DIFFERENCE of

767 Francs.

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Choice of Deductible
Monthly cost with deductible
Enter the correct value
Year 1
Excluding physical therapy, etc.
Year 2
Excluding physical therapy, etc.
Year 3
Excluding physical therapy, etc.

-
Savings or Cost over 3 years

You saved

Additional cost

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Here is the calculation

The maximum cost for you with the two different deductibles (300 and 2500) is given by the maximum cost for you with the 2500 deductible (3200 francs) minus what we would still have to pay with the 300 deductible (1000 francs). But...
From the result we must also subtract the annual premium saved

Calculation:
3200.-
Deductible 2500+10% (max. 700.-)
1000.-
Deductible 300+10% (max. 700.-)
1433.-
Annual savings between premiums

3200-1000-1433 = 767.-

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