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lamalo

Quelle franchise LAMal choisir ? (assurance maladie)

Open lamalo
Business tool built to Swiss standards — result ready for your accounting. 100% in your browser, no data sent.

Enter your monthly premiums for each deductible (from your offer / canton), then estimate this year's health costs. We tell you which deductible is cheapest overall.

Who is insured?
Expected health costs this year
Your monthly premiums per deductible
300 CHF
500 CHF
1'000 CHF
1'500 CHF
2'000 CHF
2'500 CHF
DeductiblePremium/moOut-of-pocketTotal cost/yr
300 CHF430 CHF420 CHF5'580 CHF
500 CHF410 CHF600 CHF5'520 CHF
1'000 CHF375 CHF1'050 CHF5'550 CHF
1'500 CHF350 CHF1'500 CHF5'700 CHF
2'000 CHF325 CHF1'500 CHF5'400 CHF
2'500 CHFCheapest305 CHF1'500 CHF5'160 CHF
2'500 CHF — you save 540 CHF/an vs the most expensive deductible for you.
💡 Good to knowBelow about 2'000 CHF in costs, the highest deductible is best; above it, the lowest becomes best.

⚠︎ LAMal basic insurance only (2026 deductibles and co-payment). Excludes supplementary insurance and alternative models (HMO, family doctor, telemedicine) that lower the premium. The 15 CHF/day hospital contribution is not counted. Always compare official offers.

lamalo is a free, no-sign-up online switzerland tool: quelle franchise lamal choisir ? (assurance maladie). Built for Switzerland. Everything is computed right in your browser — no data is sent to a server, your information stays private. Fast, ad-free, works on mobile and desktop. Keywords: assurance maladie, lamal, franchise, quote-part, prime, caisse maladie.

Every autumn the same question: which health-insurance deductible to pick? A high deductible (CHF 2500) lowers the premium but raises what you pay for care; a low one (CHF 300) does the opposite. The co-payment (10% above the deductible, capped at CHF 700/year) completes the picture. lamalo compares the total annual cost (premiums + out-of-pocket) for each deductible based on your expected health costs, names the cheapest and shows the cost threshold where switching pays off.

assurance maladielamalfranchisequote-partprimecaisse maladiesanté

FAQ

Is lamalo compliant with Swiss standards?

Yes. lamalo applies the current Swiss rules (quelle franchise lamal choisir ? (assurance maladie)) to produce a result you can use directly in your accounting and paperwork.

Is my data sent to a server?

No. Everything is computed in your browser — no data (amount, IBAN, number) is transmitted or stored. Ideal for sensitive information.

Is lamalo free?

Yes, lamalo is free and requires no sign-up. Pro features for Swiss freelancers and SMEs are coming to outils.ch.

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