Deductible and Retention Fee
Cost Sharing (MHC)
With Mandatory Health Care Insurance (MHC), a statutory contribution to costs in the form of a deductible and retention fee is included. For children and adolescents up to the age of 20, no cost share is paid.
Persons insured in adulthood (from the age of 21) pay 20 % of the health costs that exceed the deductible as a retention fee. Once the retirement age has been reached, the retention fee is reduced to 10%. Because the maximum amount of the retention fee is determined by the high cost threshold of CHF 5,000, the maximum amount of the retention fee is dependent on the chosen deductible.
Annual deductibles |
Maximum retention fee |
|
|---|---|---|
Children |
CHF 0 |
none |
Youth |
CHF 0 |
none |
Adults |
CHF 500 CHF 1,500 CHF 2,500 CHF 4,000 |
CHF 900 CHF 700 CHF 500 CHF 200 |
Insured persons of retirement age |
CHF 0 CHF 1,000 CHF 2,000 CHF 3,500 |
CHF 500 CHF 400 CHF 300 CHF 150 |
Benefits exempt from cost sharing (maternity and medical check-ups) remain unchanged. The increased retention fee on certain original preparations is dropped beginning on 1 January 2017.