Insurance · Module 5

Paying too much
for health insurance?

With the right choices you quickly save several hundred francs a year.

+

Optimising premiums

The three levers

Where to save

Deductiblefrom 300 to 2500 francs

Modelfamily doctor, Telmed or free

Supplement.only what you really need

The deductible

Lower premium – ideal if you rarely have medical costs.

Higher premium – only worth it with regular costs.

300 fr.1000 fr.2500 fr.

The model

Free choicethe most expensive option

→

Doctor / Telmeda fixed first contact

→

Lower premiumsame basic benefits, less cost

Basic and supplementary

Basicmandatory, identical everywhere

Supplement.voluntary, review individually

Switchyearly, by end of November

Good to know

💡 First step: Review deductible, model and supplementary cover together – the real savings potential only shows in the full picture.

This video does not replace personal advice.
Baeriswyl Beratungen GmbH · Finance & pension planning · Fribourg