Deductible and retention fee
Swiss health insurance cost-sharing calculator
Estimate the ordinary deductible and retention fee from annual costs you enter, with visible formula, caps and limitations.
Estimate under the ordinary rule
- Deductible portion
- CHF 300.00
- 10% retention fee
- CHF 170.00
- Theoretical remaining share
- CHF 1'530.00
- Applied retention cap
- CHF 700.00
minimum(costs, deductible) + minimum(10% × costs after deductible, cap)Information tool only; not an offer, insurer statement or legal advice. Check your policy, statement and insurer terms.
What this tool calculates
The deductible is applied first to the annual costs entered. The ordinary 10% retention fee then applies to the balance, up to the annual cap for the selected category.
The estimate separates deductible, retention fee and theoretical balance. It does not compare monthly premiums or choose a deductible for you.
Not included in the result
- The CHF 15 per-day hospital contribution.
- Higher retention fees for certain medicines, maternity exemptions and family caps.
- Non-covered benefits, reimbursement decisions and insurance premiums.
Official sources
Next step
Prepare a comparison request
Choose the insurance area that matches your need. The form opens on a protected page and you remain free not to submit it.
This block asks for no personal information.