Adjusting your health insurance deductible is a crucial step in influencing the level of your health insurance premiums in Switzerland. With the help of HELVETICA OPTIMUM, an experienced and independent insurance broker, we will show you how you can strategically adjust your deductible to optimize your healthcare costs and ensure adequate insurance coverage.

What is a franchise?

The deductible is the amount you have to pay yourself before your insurance starts to cover the costs. In Switzerland, insured persons have the option of choosing from different deductible levels, which has a direct influence on the amount of the monthly premium.

Advantages of adjusting the franchise with HELVETICA OPTIMUM:

• Lower premiums: A higher deductible can significantly reduce your monthly premiums. HELVETICA OPTIMUM helps you to determine the optimum deductible level.
• More efficient use of medical services: With an adjusted deductible, you are likely to make more careful decisions about the use of medical services, which can lead to cost savings in the long term.

Right time for the adjustment:

• During the annual contract renewal: This is an ideal time to review and adjust your franchise with the support of HELVETICA OPTIMUM.
• Life-changing events: Changes in your life situation could also be a reason to re-evaluate your franchise. HELVETICA OPTIMUM can help you make the right decisions.

Steps for adjusting the franchise with HELVETICA OPTIMUM:

1. Assessment of your current healthcare expenditure: With HELVETICA OPTIMUM 's experts, you analyze your past medical expenses to gain a solid understanding of your actual costs.
2. Analysis of franchise options: HELVETICA OPTIMUM compares the different franchise levels and their impact on your premiums in order to recommend the best choice for you.
3. Consideration of your financial security: Decide together with your HELVETICA OPTIMUM advisor how much risk is acceptable for you.
4. Expert advice: Take advantage of HELVETICA OPTIMUM's expert advice to choose a franchise that best meets your needs and financial possibilities.

Result:

The strategic adjustment of your deductible with the professional support of HELVETICA OPTIMUM offers an excellent opportunity to effectively manage your healthcare costs in Switzerland. By carefully assessing your personal and financial situation, you can optimize your monthly premiums while safeguarding your insurance cover. Take the time to consider your options and call on HELVETICA OPTIMUM 's expertise to help you make the best possible decision.