Switzerland’s health insurance system offers six deductible options (franchises), from CHF 300 to CHF 2,500. But which one actually saves you the most money?
The answer is surprisingly simple:

• If your average yearly health expenses are below ~CHF 2,000, choose the CHF 2,500 deductible (lowest premiums).
• If your expenses are above ~CHF 2,000, choose the CHF 300 deductible (lowest out-of-pocket costs).

The other four options? They’re almost always more expensive in total.
This project crunches the numbers for you, so you can make the smartest, most cost-effective choice—instantly.

Insurek is a multilingual web tool and open-source project that helps you:

• Find your optimal Swiss health insurance deductible (franchise)
• Visualize your total costs (premiums + deductible + co-insurance)
• Understand the math behind the recommendation

You can use Insurek as:

• A web app: Enter your premiums, see your best deductible and a clear cost chart.
• A Jupyter Notebook: Run your own calculations with custom data.

Swiss law sets strict rules:

• You pay a monthly premium (varies by deductible, region, age, insurer).
• You pay out-of-pocket up to your deductible (franchise).
• After that, you pay 10% co-insurance on further costs, capped at CHF 700/year for adults.

Insurek compares all six deductible options for your real premiums and shows:

• Where the total cost lines cross (the "break-even" point)
• Which deductible is optimal for your health expense level

Result:

• If you’re healthy and rarely see a doctor, the highest deductible (CHF 2,500) saves you the most.
• If you have high medical costs, the lowest deductible (CHF 300) is best.

Suppose your average yearly health expenses are CHF 1,500:

• CHF 2,500 deductible: Lowest premiums, you pay most costs out-of-pocket, but overall you save.
• CHF 300 deductible: Higher premiums, but you pay less out-of-pocket—only worth it if your expenses are high.

The break-even point is usually around CHF 1,800–2,000 (depends on your actual premiums).

• Go to Priminfo (official Swiss premium calculator)
• Enter your ZIP code, birth year, and insurance model
• Write down the six monthly premiums for each deductible (CHF 300, 500, 1,000, 1,500, 2,000, 2,500)

• Go to the Insurek web app
• Select your language (EN, DE, FR, IT)
• Enter your six premiums in descending order (highest = CHF 300, lowest = CHF 2,500)
• Click Calculate

• Instantly see which deductible saves you the most
• View a chart comparing all options
• Download the chart for your records

• Docker installed on your system
• Git (to clone the repository)
• [Optional] Jupyter Notebook (for advanced users)

git clone https://github.com/lucalevi/swiss-deductible-chooser.git
cd swiss-deductible-chooser/swiss-insurances

• Create a .env file in the swiss-insurances directory with:

FLASK_SECRET_KEY=your_secret_key_here  # Replace with a secure random string
PORT=5000
HOST_PORT=8080

• Note: The FLASK_SECRET_KEY is required for session management. Generate one using openssl rand -hex 16 or a similar tool.

If you want to use the Jupyter Notebook, also install:

pip install notebook

• Create a docker-compose.yml file in the project root:

services:
  app:
    build: .
    ports:
      - "8080:5000"
    env_file:
      - swiss-insurances/.env
    volumes:
      - .:/app
    container_name: insurek-app

• Build and start the container:

docker compose up --build

• Access the app at http://localhost:8080.
• Stop the container with CTRL+C, then restart with docker compose up (no --build needed unless code changes).

• Make changes to app.py, templates, or static files.
• Rebuild and restart with docker compose up --build to apply changes.
• To stop and remove the container (optional cleanup):

docker compose down

If you prefer not using Docker Compose, run:

docker run -p 8080:5000 --env-file swiss-insurances/.env swiss-deductible-chooser

• This creates a new container each time. To reuse, name it and manage it:

docker run -d --name insurek-app -p 8080:5000 --env-file swiss-insurances/.env swiss-deductible-chooser
docker stop insurek-app
docker start insurek-app

If you want to experiment with your own data, use the included premium_chooser.ipynb:

1. Open the notebook in Jupyter or Google Colab.
2. Enter your own premiums in the MONTHLY_PREMIUM list.
3. Run all cells to see the break-even point and cost chart for your situation.

swiss-insurances/
│
├── app.py                # Flask web app (main entry point)
├── scripts/
│   └── insurance_calculator.py  # Core calculation logic
├── static/               # CSS, JS, images
├── templates/            # Multilingual HTML templates (EN, DE, FR, IT)
├── .env                  # Environment variables (not committed)
|
requirements.txt      # Python dependencies
premium_chooser.ipynb  # Jupyter Notebook (advanced)

• 🇬🇧 English
• 🇩🇪 Deutsch
• 🇫🇷 Français
• 🇮🇹 Italiano

Switch language anytime using the menu.

Pull requests are welcome!
If you find a bug or want to add a feature, open an issue or submit a PR.

GNU GPL-2.0 License. See LICENSE for details. Do mention the source when developing further.

Created by Luca Iacolettig.
Questions? Email: iacolettig.luca@gmail.com

• Transparent: All calculations are open-source and visible in insurance_calculator.py and premium_chooser.ipynb.
• Fast: Get your answer in seconds.
• Accurate: Follows Swiss insurance law and real math.
• Private: No data is stored—everything runs locally or in your browser.

Save money. Choose smart. Insurek makes Swiss health