Insurance Fund, Minimum Franchise May Rise to 400 Francs (cross-border guide)

Di Valerie Linc · Published on

The Federal Council has launched a consultation to adjust the minimum franchise of the health insurance fund to 400 francs, maintaining the exemption for children.

Contesto

TL;DR - Franchise increase - Impact on Ticino - Exemption for kids ## Key facts - Current: 300 francs - New: 400 francs - Last update: 2004 - Consultation end: June 30, 2024 - Exemption: Children exempt - Calculator: Net salary calculator available - Deadline: June 30, 2024 The minimum franchise of the health insurance fund in Switzerland may increase from 300 to 400 francs, following the consultation launched by the Federal Council on the project to modify the Health Insurance Law (LaMal). This measure may have a significant impact on the Ticino population, considering that the canton has one of the most developed economies in Switzerland.

Dettagli operativi

The Federal Council has decided to maintain the exemption for children, as provided by the current legislation. The minimum franchise was not adjusted since 2004, while healthcare costs continued to grow. According to the Federal Council's data, the current amounts for 2023 are as follows: ## Recommended tools For an updated estimate, use the net salary calculator and the CHF-EUR exchange comparator.

Punti chiave

The Federal Council has invited all citizens to participate in the consultation and express their opinions and suggestions on the modification of LaMal. The consultation is open until June 30, 2024, and citizens can send their proposals and comments. The Federal Council has stated that the consultation will be conducted with criteria and transparency, and that the opinions and proposals of the citizens will be carefully considered. For a precise calculation of your net salary as a cross-border worker, use our comparator: the most complete tool to compare your take-home pay between G and B permits, with all tax and social deductions updated to 2026.

Punti chiave

[{"q":"What is the current minimum allowance for sickness insurance in Switzerland?","a":"The current minimum allowance is 300 francs."},{"q":"What could be the impact of increasing the minimum allowance on access to health services for low-income families in Ticino?","a":"The increase in the minimum allowance to 400 francs could reduce access to health services for low-income families in Ticino, increasing their share of health expenses. For example, a family with an income of 4,000 francs per month could see increasing their annual contribution to health insurance of about 400 francs, which could represent a significant burden."},{"q":"How could it affect the increase of the minimum allowance the behavior of people in the use of health services?","a":"A minimum allowance increase could lead to greater individual responsibility, reducing unnecessary visits, but it could also discourage some people from early access to care, increasing the risk of complications."}]

Frequently Asked Questions
What is the current minimum allowance for sickness insurance in Switzerland?
The current minimum allowance is 300 francs.
What could be the impact of increasing the minimum allowance on access to health services for low-income families in Ticino?
The increase in the minimum allowance to 400 francs could reduce access to health services for low-income families in Ticino, increasing their share of health expenses. For example, a family with an income of 4,000 francs per month could see increasing their annual contribution to health insurance of about 400 francs, which could represent a significant burden.
How could it affect the increase of the minimum allowance the behavior of people in the use of health services?
A minimum allowance increase could lead to greater individual responsibility, reducing unnecessary visits, but it could also discourage some people from early access to care, increasing the risk of complications.

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