Deductible for kids - Health insurance

[waheguru]

Hi all,

The deductible for the health insurance for the kids are different than for adults. It can go from 0 CHF until 600 CHF. Whitin the range where is the rule of thumb? Which option makes the more sense?

Thanks!
IQ

 

[Baptiste Wicht]

Hi

Excellent question, I never ran the math before. Most people recommend a deductible of zero for children because they have more checkups than we do.

I quickly did the math with Assura premiums and I get a cut off at around 500 CHF. So, if you spend more you should use the 0 deductible and if you spend less, you should use the 600 CHF deductible.

I will update my article about health insurance to include this.