Calculations are based on moneyland.ch algorithms and the following factors:
- The moneyland.ch guarantee of editorial independence applies.
- moneyland.ch calculates the correct premiums for all health insurance models (standard, HMO, family doctor, telemedicine) based on 260,000 separate pieces of data. Monthly and yearly costs are clearly shown in cost breakdowns.
- Premiums vary based on your place of residence, age, accident coverage, insurance model and deductible.
- The moneyland.ch comparison lets you calculate premiums for multiple individuals simultaneously. Premiums applicable to each individual are clearly broken down for each product.
- Depending on the insurer, certain products may not be offered in all deductible models or may not be available to residents of all regions.
- Families with several children may be eligible for family discounts. Some insurers discount premiums from the second or third child. These discounts are automatically accounted for by the moneyland.ch comparison. The comparison calculates child discounts based on the order in which children they are listed. Depending on the insurance provider and insurance model, premiums for children may vary slightly when multiple deductible models are used.
- Calculating optimal deductibles: If you are not sure which deductible would work best for you, select the “Optimal deductible” option for each individual. The comparison calculates the most ideal deductible model based on your average annual healthcare spending.
- In order to find the optimal deductible, you need to select estimated annual healthcare costs in CHF for each individual. You can also enter a specific amount.
- Example of a health insurance calculation:
Annual healthcare costs: CHF 6500 (due to an anticipated operation, for example).
Option 1, monthly premium with a CHF 2,500 deductible: CHF 200.
Option 2, monthly premium with a CHF 300 deductible: CHF 400.
Total costs option 1: CHF 2500 (deductible) + CHF 400 (10% coinsurance) + CHF 2400 (annual premiums) = CHF 5300.
Total costs option 2: CHF 300 (deductible) + CHF 620 (10% coinsurance) + CHF 4800 (annual premiums) = CHF 5720.
In this case, choosing a CHF 2500 deductible works out cheaper than choosing a CHF 300 deductible. When you choose the “optimal deductible” option, the comparison automatically calculates which deductibles would work best for each policy for any number individuals.
- All data used in comparisons matches data authorized by the Federal Office of Public Health. moneyland.ch is not responsible for the accuracy of data provided.