Deductible for kids - Health insurance

waheguru

New member
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
 
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.
 
Thanks so much for the answer. My kids are now 14 and 13. When checking the expenses per year, the spend tends to be less and less now that are getting older. Some years make up for the others. So for this age, probably the higher deductible makes more sense.

Really appreciate your answer and all your articles. It saves me hours of research.
Isabel
 
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