{"id":7506,"date":"2025-07-22T09:46:50","date_gmt":"2025-07-22T09:46:50","guid":{"rendered":"https:\/\/vitafinance.webcase.me\/?post_type=services&#038;p=7506"},"modified":"2025-07-31T08:52:31","modified_gmt":"2025-07-31T08:52:31","slug":"franchise","status":"publish","type":"services","link":"https:\/\/vitafinance.webcase.me\/en\/services\/franchise\/","title":{"rendered":"Franchise"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"7506\" class=\"elementor elementor-7506\" data-elementor-post-type=\"services\">\n\t\t\t\t<section class=\"elementor-element elementor-element-4cc8a5c7 vf-inner-banner e-flex e-con-boxed e-con e-parent\" data-id=\"4cc8a5c7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2f631965 e-con-full vf-banner-content e-flex e-con e-child\" data-id=\"2f631965\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-60acb9de elementor-widget elementor-widget-heading\" data-id=\"60acb9de\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Deductible and Co-pay Explained<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t<section class=\"elementor-element elementor-element-85cad95 vt-services-detail-page e-flex e-con-boxed e-con e-parent\" data-id=\"85cad95\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-b540116 e-con-full vt-services-detail-page-left e-flex e-con e-child\" data-id=\"b540116\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-edf9598 elementor-widget elementor-widget-image\" data-id=\"edf9598\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"73\" height=\"74\" src=\"https:\/\/vitafinance.webcase.me\/wp-content\/uploads\/2025\/04\/OBJECT.svg\" class=\"attachment-full size-full wp-image-2043\" alt=\"OBJECT\" srcset=\"https:\/\/vitafinance.webcase.me\/wp-content\/uploads\/\/2025\/04\/OBJECT.svg 150w, https:\/\/vitafinance.webcase.me\/wp-content\/uploads\/\/2025\/04\/OBJECT.svg 300w, https:\/\/vitafinance.webcase.me\/wp-content\/uploads\/\/2025\/04\/OBJECT.svg 768w, https:\/\/vitafinance.webcase.me\/wp-content\/uploads\/\/2025\/04\/OBJECT.svg 1024w, https:\/\/vitafinance.webcase.me\/wp-content\/uploads\/\/2025\/04\/OBJECT.svg 73w\" sizes=\"(max-width: 73px) 100vw, 73px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7453ad5 elementor-widget elementor-widget-heading\" data-id=\"7453ad5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Compare. Save. Get <br>Covered.\n\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-876b9c0 elementor-widget elementor-widget-text-editor\" data-id=\"876b9c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Reach out for a <\/span><b>free, <br \/>personalized quote<\/b><span style=\"font-weight: 400;\"> and discover how much you could save.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ea377d5 elementor-position-inline-start elementor-mobile-position-inline-start vt-health-support-icon elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"ea377d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div 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3.00189 0 3.91612C0 4.44646 0.263531 4.93864 0.704883 5.23273Z\" fill=\"#748260\"><\/path><\/svg>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"mailto:support@vitafinance.webcase.me\" >\n\t\t\t\t\t\t\tsupport@vitafinance.webcase.me\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c93df55 elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"c93df55\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a 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fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"tel:%20+41%2041%20933%2013%2016\" >\n\t\t\t\t\t\t\t+41 41 933 13 16\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-215f256 popmake-553 elementor-widget elementor-widget-button\" data-id=\"215f256\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get Your Free Comparison<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f662f15 e-con-full vt-services-detail-page-right e-flex e-con e-child\" data-id=\"f662f15\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1cab1ca elementor-widget elementor-widget-heading\" data-id=\"1cab1ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What do deductible and co-pay mean?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ce01a8 elementor-widget elementor-widget-text-editor\" data-id=\"2ce01a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"118\" data-end=\"424\">The deductible is a fixed annual amount that insured individuals must pay out of pocket before the health insurance provider starts covering costs. In Switzerland, adults can choose between CHF 300.-, 500.-, 1\u2019000.-, 1\u2019500.-, 2\u2019000.-, and 2\u2019500.-.<\/p><p data-start=\"426\" data-end=\"560\">Once the selected deductible is reached, a <strong>10 %<\/strong> co-pay applies to the <strong>remaining costs<\/strong> \u2014 capped at a <strong>maximum of CHF 700.<\/strong>&#8211; per year.<\/p><p data-start=\"56\" data-end=\"218\"><strong>Example:<\/strong> If total healthcare costs amount to CHF 4\u2019000.- in a calendar year and the maximum deductible of CHF 2\u2019500.- was chosen, the cost breakdown is as follows:<br \/><br \/><\/p><ul data-start=\"219\" data-end=\"385\"><li data-start=\"219\" data-end=\"250\"><p data-start=\"221\" data-end=\"250\"><strong data-start=\"221\" data-end=\"236\">Deductible:<\/strong> CHF 2,500.-<\/p><\/li><li data-start=\"251\" data-end=\"338\"><p data-start=\"253\" data-end=\"338\"><strong data-start=\"253\" data-end=\"264\">Co-pay:<\/strong> 10% of (CHF 4,000.- minus CHF 2,500.-) = 10% of CHF 1,500.- = CHF 150.-<\/p><\/li><li data-start=\"339\" data-end=\"385\"><p data-start=\"341\" data-end=\"385\"><strong data-start=\"341\" data-end=\"373\">Total out-of-pocket payment:<\/strong> CHF 2,650.-<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fbae1c6 elementor-widget elementor-widget-heading\" data-id=\"fbae1c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Attention with medications<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e00bfe elementor-widget elementor-widget-text-editor\" data-id=\"3e00bfe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If a <strong>branded original drug<\/strong> is used when a <strong>generic version<\/strong> is available, the co-pay increases to <strong>40 % of the medication cost<\/strong>, resulting in a significantly higher personal expense when opting for the more expensive original product.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e15b2c elementor-widget elementor-widget-image\" data-id=\"7e15b2c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"905\" height=\"280\" src=\"https:\/\/vitafinance.webcase.me\/wp-content\/uploads\/2025\/07\/franchies-img.webp\" class=\"attachment-full size-full wp-image-7859 has-transparency\" alt=\"franchies-img\" srcset=\"https:\/\/vitafinance.webcase.me\/wp-content\/uploads\/2025\/07\/franchies-img.webp 905w, https:\/\/vitafinance.webcase.me\/wp-content\/uploads\/2025\/07\/franchies-img-300x93.webp 300w, https:\/\/vitafinance.webcase.me\/wp-content\/uploads\/2025\/07\/franchies-img-768x238.webp 768w\" sizes=\"(max-width: 905px) 100vw, 905px\" data-has-transparency=\"true\" data-dominant-color=\"a69d9b\" style=\"--dominant-color: #a69d9b\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d269c8c elementor-widget elementor-widget-heading\" data-id=\"d269c8c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Premium Discount with the Highest Deductible\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9486955 elementor-widget elementor-widget-text-editor\" data-id=\"9486955\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>By selecting the <strong>maximum deductible of CHF 2\u2019500.<\/strong>-, policyholders can save up to CHF 1\u2019540.- in annual premiums. This corresponds to the legally allowed maximum of 70 % discount on the difference in premiums between the lowest and highest deductible.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-64c6bc0 vf-h2-content elementor-widget elementor-widget-heading\" data-id=\"64c6bc0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Which Deductible Makes Sense?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-73d6da2 elementor-widget elementor-widget-text-editor\" data-id=\"73d6da2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Practical analyses show that only the lowest deductible (CHF 300.-) or the highest deductible (CHF 2\u2019500.-) are worthwhile in the long run. Mid-range options typically offer too small a discount to justify their drawbacks.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c45f2bf e-con-full e-flex e-con e-child\" data-id=\"c45f2bf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e4836d5 elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"e4836d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"52\" height=\"52\" viewBox=\"0 0 52 52\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M8.66646 36.8334V10.8334C8.66646 9.10947 9.35128 7.45617 10.5703 6.23718C11.7893 5.01819 13.4426 4.33337 15.1665 4.33337H36.8331C38.557 4.33337 40.2103 5.01819 41.4293 6.23718C42.6483 7.45617 43.3331 9.10947 43.3331 10.8334V36.8334C43.8403 36.8339 44.3313 37.0123 44.7205 37.3376C45.1097 37.6629 45.3724 38.1144 45.4629 38.6135C45.5534 39.1126 45.4659 39.6276 45.2157 40.0688C44.9655 40.5101 44.5684 40.8495 44.0936 41.028L26.7603 47.528C26.27 47.7118 25.7296 47.7118 25.2393 47.528L7.90596 41.028C7.4312 40.8495 7.03413 40.5101 6.78392 40.0688C6.53371 39.6276 6.44623 39.1126 6.53671 38.6135C6.6272 38.1144 6.88991 37.6629 7.27909 37.3376C7.66827 37.0123 8.15924 36.8339 8.66646 36.8334ZM28.1665 13C28.1665 12.4254 27.9382 11.8743 27.5319 11.468C27.1255 11.0616 26.5744 10.8334 25.9998 10.8334C25.4252 10.8334 24.8741 11.0616 24.4677 11.468C24.0614 11.8743 23.8331 12.4254 23.8331 13V15.1667H21.6665C20.2299 15.1667 18.8521 15.7374 17.8363 16.7532C16.8205 17.769 16.2498 19.1468 16.2498 20.5834C16.2498 22.02 16.8205 23.3977 17.8363 24.4135C18.8521 25.4294 20.2299 26 21.6665 26H30.3331C30.6204 26 30.896 26.1142 31.0992 26.3173C31.3023 26.5205 31.4165 26.7961 31.4165 27.0834C31.4165 27.3707 31.3023 27.6462 31.0992 27.8494C30.896 28.0526 30.6204 28.1667 30.3331 28.1667H19.4998C18.9252 28.1667 18.3741 28.395 17.9677 28.8013C17.5614 29.2076 17.3331 29.7587 17.3331 30.3334C17.3331 30.908 17.5614 31.4591 17.9677 31.8654C18.3741 32.2718 18.9252 32.5 19.4998 32.5H23.8331V34.6667C23.8331 35.2413 24.0614 35.7924 24.4677 36.1988C24.8741 36.6051 25.4252 36.8334 25.9998 36.8334C26.5744 36.8334 27.1255 36.6051 27.5319 36.1988C27.9382 35.7924 28.1665 35.2413 28.1665 34.6667V32.5H30.3331C31.7697 32.5 33.1475 31.9294 34.1633 30.9135C35.1791 29.8977 35.7498 28.52 35.7498 27.0834C35.7498 25.6468 35.1791 24.269 34.1633 23.2532C33.1475 22.2374 31.7697 21.6667 30.3331 21.6667H21.6665C21.3791 21.6667 21.1036 21.5526 20.9004 21.3494C20.6973 21.1462 20.5831 20.8707 20.5831 20.5834C20.5831 20.2961 20.6973 20.0205 20.9004 19.8173C21.1036 19.6142 21.3791 19.5 21.6665 19.5H32.4998C33.0744 19.5 33.6255 19.2718 34.0319 18.8654C34.4382 18.4591 34.6665 17.908 34.6665 17.3334C34.6665 16.7587 34.4382 16.2076 34.0319 15.8013C33.6255 15.395 33.0744 15.1667 32.4998 15.1667H28.1665V13Z\" fill=\"#AFC295\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tThe maximum deductible (CHF 2\u2019500.-) is advantageous if annual healthcare costs are below CHF 1\u2019800.-\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-afca621 elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"afca621\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"52\" height=\"52\" viewBox=\"0 0 52 52\" fill=\"none\"><path d=\"M15.1673 6.49996H8.66732V13H4.33398V2.16663H15.1673V6.49996ZM47.6673 13V2.16663H36.834V6.49996H43.334V13H47.6673ZM15.1673 45.5H8.66732V39H4.33398V49.8333H15.1673V45.5ZM43.334 39V45.5H36.834V49.8333H47.6673V39H43.334ZM41.1673 39C41.1673 41.3833 39.2173 43.3333 36.834 43.3333H15.1673C12.784 43.3333 10.834 41.3833 10.834 39V13C10.834 10.6166 12.784 8.66663 15.1673 8.66663H36.834C39.2173 8.66663 41.1673 10.6166 41.1673 13V39ZM32.5007 17.3333H19.5007V21.6666H32.5007V17.3333ZM32.5007 23.8333H19.5007V28.1666H32.5007V23.8333ZM32.5007 30.3333H19.5007V34.6666H32.5007V30.3333Z\" fill=\"#AFC295\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tThe minimum deductible (CHF 300.-) is more appropriate if annual healthcare costs are above that threshold, as the lower co-pay outweighs the smaller premium saving.\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6049772 elementor-widget elementor-widget-text-editor\" data-id=\"6049772\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong data-start=\"56\" data-end=\"87\">A simple calculation shows:<\/strong><br data-start=\"87\" data-end=\"90\" \/>someone with CHF 1\u2019800.- annual expenses will pay less with the high deductible because the premium savings exceed the additional out-of-pocket cost. If costs are higher, the lower deductible is the better choice<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t<section class=\"elementor-element elementor-element-18dffe3 vt-service-premium-icon e-flex e-con-boxed e-con e-parent\" data-id=\"18dffe3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-890e751 elementor-widget elementor-widget-heading\" data-id=\"890e751\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Deadlines for Changing the Deductible\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a7e371f e-con-full vf-infobox vt-servicedetail-infobox vf-cols-two e-flex e-con e-child\" data-id=\"a7e371f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-693eaa66 elementor-position-inline-end elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"693eaa66\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"68\" height=\"68\" viewBox=\"0 0 68 68\" fill=\"none\"><path d=\"M61.281 56.0653C61.3979 56.3482 61.3341 56.6523 61.119 56.8675L53.04 64.9465C52.7545 65.232 52.287 65.232 52.0014 64.9465L43.9224 56.8675C43.7046 56.6523 43.6435 56.3482 43.7604 56.0653C43.8773 55.7864 44.1362 55.6098 44.4417 55.6098H48.6585C49.0609 55.6098 49.393 55.2817 49.393 54.8753V44.9701C50.409 45.1508 51.4529 45.2491 52.522 45.2491C53.5872 45.2491 54.6337 45.1508 55.6511 44.9701V54.8753C55.6511 55.2777 55.9818 55.6098 56.3855 55.6098H60.6023C60.9052 55.6098 61.1641 55.7864 61.281 56.0653ZM39.4905 39.481C36.0413 43.731 30.7753 46.4537 24.8758 46.4537C14.4845 46.4537 6.06687 38.032 6.06687 27.6448C6.06687 17.2575 14.4859 8.83584 24.8758 8.83584C30.7753 8.83584 36.0427 11.5545 39.4905 15.8085C40.8385 14.325 42.4389 13.0712 44.2186 12.119C39.6711 6.46115 32.6984 2.83936 24.8758 2.83936C11.1762 2.83936 0.0664062 13.9451 0.0664062 27.6448C0.0664062 41.3444 11.1762 52.4501 24.8758 52.4501C32.6984 52.4501 39.6711 48.8284 44.2186 43.1705C42.4389 42.2143 40.8385 40.9645 39.4905 39.481ZM24.7669 39.6165C25.3698 39.6165 25.8586 39.1237 25.8586 38.5208V36.7331C26.8972 36.5299 27.8282 36.0372 28.5573 35.3519C29.5508 34.4182 30.1684 33.1233 30.1684 31.6969C30.1684 30.2705 29.5508 28.9755 28.5534 28.0419C27.7472 27.2809 26.694 26.7616 25.5266 26.6035C25.4216 26.569 25.3087 26.5504 25.1919 26.5504H24.9847C24.0855 26.5504 23.2714 26.2077 22.6884 25.6579C22.1239 25.1266 21.7693 24.3935 21.7693 23.5953C21.7693 22.7931 22.1226 22.0627 22.6884 21.5287C23.2714 20.9789 24.0855 20.6362 24.9847 20.6362C25.6966 20.6362 26.3553 20.8514 26.8852 21.2127C27.4205 21.5739 27.8295 22.0892 28.0407 22.6842C28.2439 23.2527 28.8655 23.5541 29.4339 23.3509C30.0063 23.1517 30.3038 22.5262 30.1046 21.9577C29.7354 20.9218 29.0275 20.0306 28.1098 19.4051C27.5068 18.9987 26.8188 18.7051 26.0764 18.5537V16.7687C26.0764 16.1631 25.5863 15.673 24.9847 15.673C24.3791 15.673 23.889 16.1631 23.889 16.7687V18.5537C22.853 18.7609 21.9194 19.2497 21.1929 19.935C20.1995 20.8727 19.5819 22.1676 19.5819 23.594C19.5819 25.0204 20.1995 26.3153 21.1929 27.249C21.9991 28.006 23.0523 28.5293 24.2237 28.6873C24.3286 28.7219 24.4388 28.7405 24.5544 28.7405H24.7655C25.662 28.7405 26.4748 29.0791 27.0579 29.629C27.6263 30.1642 27.977 30.8934 27.977 31.6955C27.977 32.4977 27.6263 33.2282 27.0579 33.7621C26.4748 34.3119 25.6607 34.6506 24.7655 34.6506C24.0497 34.6506 23.3909 34.4394 22.861 34.0782C22.3258 33.713 21.9167 33.2016 21.7055 32.6066C21.5063 32.0342 20.8808 31.7367 20.3123 31.9359C19.7439 32.1391 19.4424 32.7607 19.6456 33.3331C20.0109 34.3691 20.7188 35.2576 21.6378 35.8818C22.2408 36.2922 22.9287 36.5857 23.6712 36.7331V38.5208C23.6712 39.1237 24.1612 39.6165 24.7669 39.6165ZM48.948 23.7029C49.1738 23.4811 49.3133 23.1677 49.3133 22.8263C49.3133 22.485 49.1738 22.1755 48.948 21.9498C48.7223 21.724 48.4128 21.5845 48.0715 21.5845C47.7288 21.5845 47.4167 21.724 47.1949 21.9498C46.9691 22.1755 46.8297 22.485 46.8297 22.8263C46.8297 23.1677 46.9691 23.4811 47.1949 23.7029C47.4167 23.9287 47.7302 24.0681 48.0715 24.0681C48.4128 24.0681 48.7223 23.9287 48.948 23.7029ZM56.9712 31.2214C56.6286 31.2214 56.3165 31.3569 56.0947 31.5827C55.8689 31.8084 55.7295 32.1179 55.7295 32.4592C55.7295 32.8005 55.8689 33.114 56.0947 33.3398C56.3205 33.5616 56.6299 33.701 56.9712 33.701C57.3139 33.701 57.626 33.5616 57.8478 33.3398C58.0736 33.114 58.213 32.8019 58.213 32.4592C58.213 32.1166 58.0736 31.8084 57.8478 31.5827C57.626 31.3569 57.3139 31.2214 56.9712 31.2214ZM67.9336 27.6448C67.9336 36.1567 61.0327 43.0577 52.5207 43.0577C44.0088 43.0577 37.1078 36.1567 37.1078 27.6448C37.1078 19.1328 44.0088 12.2279 52.5207 12.2279C61.0327 12.2279 67.9336 19.1328 67.9336 27.6448ZM45.6423 25.2541C46.2639 25.8757 47.1219 26.2595 48.0702 26.2595C49.0145 26.2595 49.8738 25.8757 50.4953 25.2541C51.1169 24.6326 51.5007 23.7746 51.5007 22.8263C51.5007 21.882 51.1169 21.0227 50.4953 20.4012C49.8738 19.7796 49.0158 19.3958 48.0702 19.3958C47.1219 19.3958 46.2626 19.7796 45.6423 20.4012C45.0208 21.0227 44.637 21.8807 44.637 22.8263C44.637 23.7746 45.0208 24.6326 45.6423 25.2541ZM57.5171 21.1768C57.8186 20.6535 57.642 19.9868 57.1187 19.6826C56.5994 19.3812 55.9287 19.5578 55.6272 20.0811L47.5256 34.1127C47.2241 34.632 47.4008 35.3027 47.9241 35.6042C48.4434 35.9097 49.1141 35.7291 49.4155 35.2084L57.5171 21.1768ZM60.4005 32.4605C60.4005 31.5162 60.0166 30.6569 59.3951 30.0354C58.7775 29.4138 57.9195 29.03 56.9699 29.03C56.0203 29.03 55.1663 29.4138 54.5448 30.0354C53.9232 30.6569 53.5394 31.5149 53.5394 32.4605C53.5394 33.4088 53.9232 34.2681 54.5448 34.8884C55.1663 35.5099 56.0203 35.8937 56.9699 35.8937C57.9195 35.8937 58.7775 35.5099 59.3951 34.8884C60.0166 34.2668 60.4005 33.4088 60.4005 32.4605Z\" fill=\"#D5D7DA\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tTo reduce the deductible <span>(e.g., from CHF 1,500.- to CHF 300.-)<\/span>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tthe request must be submitted to the insurer by the last working day in November.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d41a420 elementor-position-inline-end elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"5d41a420\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"68\" height=\"69\" viewBox=\"0 0 68 69\" fill=\"none\"><path d=\"M39.4905 53.481C36.0413 57.731 30.7753 60.4537 24.8758 60.4537C14.4845 60.4537 6.06687 52.032 6.06687 41.6448C6.06687 31.2575 14.4859 22.8358 24.8758 22.8358C30.7753 22.8358 36.0427 25.5545 39.4905 29.8085C40.8385 28.325 42.4389 27.0712 44.2186 26.119C39.6711 20.4612 32.6984 16.8394 24.8758 16.8394C11.1762 16.8394 0.0664062 27.9452 0.0664062 41.6448C0.0664062 55.3444 11.1762 66.4502 24.8758 66.4502C32.6984 66.4502 39.6711 62.8284 44.2186 57.1705C42.4389 56.2143 40.8385 54.9645 39.4905 53.481ZM24.7669 53.6165C25.3698 53.6165 25.8586 53.1237 25.8586 52.5208V50.7331C26.8972 50.5299 27.8282 50.0372 28.5573 49.3519C29.5508 48.4182 30.1684 47.1233 30.1684 45.6969C30.1684 44.2705 29.5508 42.9755 28.5534 42.0419C27.7472 41.2809 26.694 40.7616 25.5266 40.6035C25.4216 40.569 25.3087 40.5504 25.1919 40.5504H24.9847C24.0855 40.5504 23.2714 40.2077 22.6884 39.6579C22.1239 39.1266 21.7693 38.3935 21.7693 37.5953C21.7693 36.7931 22.1226 36.0627 22.6884 35.5287C23.2714 34.9789 24.0855 34.6362 24.9847 34.6362C25.6966 34.6362 26.3553 34.8514 26.8852 35.2127C27.4205 35.5739 27.8295 36.0892 28.0407 36.6842C28.2439 37.2527 28.8655 37.5541 29.4339 37.3509C30.0063 37.1517 30.3038 36.5262 30.1046 35.9577C29.7354 34.9218 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fill=\"#D5D7DA\"><\/path><path d=\"M61.1181 12.2931C61.3333 12.5082 61.397 12.8124 61.2801 13.0953C61.1633 13.3742 60.9043 13.5508 60.6015 13.5508H56.3847C55.9809 13.5508 55.6502 13.8829 55.6502 14.2853V24.1904C54.6329 24.0098 53.5863 23.9115 52.5212 23.9115C51.452 23.9115 50.4081 24.0098 49.3921 24.1904V14.2853C49.3921 13.8789 49.0601 13.5508 48.6576 13.5508H44.4408C44.1354 13.5508 43.8764 13.3742 43.7595 13.0953C43.6426 12.8124 43.7037 12.5082 43.9215 12.2931L52.0005 4.2141C52.2861 3.92855 52.7536 3.92855 53.0391 4.2141L61.1181 12.2931Z\" fill=\"#D5D7DA\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tTo increase the deductible <span>(e.g., from CHF 300.- to CHF 2,500.-)<\/span> \t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tthe written application must reach the insurer by the last working day in December.\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e35f142 vf-tips-cols elementor-widget elementor-widget-text-editor\" data-id=\"e35f142\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The change becomes effective on January 1 of the following year.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50772c9 vf-tips-cols elementor-widget elementor-widget-text-editor\" data-id=\"50772c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Tip:<\/strong> To avoid missing deadlines, submit your request well before the end of the month \u2014 ideally by mid-November or December \u2014 rather than waiting until the very last day.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t<section class=\"elementor-element elementor-element-34d51e4 why-vita-finance vita-about-story-icon e-flex e-con-boxed e-con e-parent\" data-id=\"34d51e4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ebc9f79 e-con-full image_box e-flex e-con e-child\" data-id=\"ebc9f79\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e401867 elementor-widget elementor-widget-image\" data-id=\"e401867\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"534\" src=\"https:\/\/vitafinance.webcase.me\/wp-content\/uploads\/2025\/07\/1b6906e80807c3827d2e5ed5bc053452a71b6d96.webp\" class=\"attachment-full size-full wp-image-7602 not-transparent\" alt=\"post-banner\" srcset=\"https:\/\/vitafinance.webcase.me\/wp-content\/uploads\/2025\/07\/1b6906e80807c3827d2e5ed5bc053452a71b6d96.webp 800w, https:\/\/vitafinance.webcase.me\/wp-content\/uploads\/2025\/07\/1b6906e80807c3827d2e5ed5bc053452a71b6d96-300x200.webp 300w, https:\/\/vitafinance.webcase.me\/wp-content\/uploads\/2025\/07\/1b6906e80807c3827d2e5ed5bc053452a71b6d96-768x513.webp 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" data-has-transparency=\"false\" data-dominant-color=\"b4afb0\" style=\"--dominant-color: #b4afb0\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b2aa1ac e-con-full vita-finance-text e-flex e-con e-child\" data-id=\"b2aa1ac\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-daac9ee elementor-widget elementor-widget-heading\" data-id=\"daac9ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Risks with the Maximum Deductible\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f76678 elementor-widget elementor-widget-text-editor\" data-id=\"7f76678\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Choosing the highest deductible means being prepared to pay up to CHF 3\u2019200.- out of pocket (deductible plus maximum co-pay) in case of high medical costs.<\/p><p>If that amount cannot be covered immediately, the lower deductible may be the safer choice despite the smaller premium discount.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t<section class=\"elementor-element elementor-element-57037a2 vt-problem-sec vf-left-conclusion e-flex e-con-boxed e-con e-parent\" data-id=\"57037a2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8448826 elementor-widget elementor-widget-heading\" data-id=\"8448826\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Conclusion<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-243b020 elementor-widget elementor-widget-text-editor\" data-id=\"243b020\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Choosing the right deductible is an effective tool for managing health insurance costs. Individuals who rarely use medical services benefit from the highest deductible (CHF 2\u2019500.-) &#8211; despite the risk of paying up to CHF 3\u2019200.- out of pocket in a single year.<\/p><p>For those with frequent doctor visits or chronic conditions, the lowest deductible (CHF 300.-) is generally more cost-effective due to lower co-pays.<\/p><p>The annual option to change the deductible enables adaptation to personal and financial circumstances, ensuring balanced and flexible cost management.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t<section class=\"elementor-element elementor-element-11d1235b vt-get-start-sec service-footer elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"11d1235b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5c7c5490 e-con-full e-flex e-con e-child\" data-id=\"5c7c5490\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-12f8ed7 elementor-widget elementor-widget-heading\" data-id=\"12f8ed7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Need Help Choosing the Right Plan?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f47d591 elementor-widget elementor-widget-text-editor\" data-id=\"6f47d591\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Speak with a licensed expert and get a free, personalized comparison in minutes. Whether you\u2019re switching providers or insuring your family for the first time, we\u2019re here to make it simple and stress-free.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-656e9297 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"656e9297\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/contact-us\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact US<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Deductible and Co-pay Explained Compare. Save. Get Covered. Reach out for a free, personalized quote and discover how much you could save. support@vitafinance.webcase.me +41 41 933 13 16 Get Your Free Comparison What do deductible and co-pay mean? The deductible is a fixed annual amount that insured individuals must pay out of pocket before the [&hellip;]<\/p>\n","protected":false},"featured_media":7611,"template":"","meta":{"_acf_changed":false},"testimonial_category":[8],"class_list":["post-7506","services","type-services","status-publish","has-post-thumbnail","hentry","testimonial_category-health-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Understand deductible and co-payment made easy<\/title>\n<meta name=\"description\" content=\"Learn how deductible and co-payment work in Switzerland and which healthcare costs you have to cover yourself.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/vitafinance.webcase.me\/en\/services\/franchise\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" 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