Higher deductibles = more responsibility
KLuG offers the highest legally permitted discount on deductibles. Take more responsibility and benefit from the low premiums. It’s worth it and pays off.
| Age-group | Deductibles (CHF) | Saving effect |
|---|---|---|
| Adults | 300.– | 0% |
| 500.– | 5% | |
| 1'000.– | 15% | |
| 1'500.– | 20% | |
| 2'000.– | 25% | |
| 2'500.– | up to 35% | |
| Children | 0.– | 0% |
| 500.– | 30% |
Discount for children = per family
KLuG thinks of the children and grants a premium discount between 71 and 77% depending on canton.
Discount in case of accident insurance suspension
If you are insured against occupational and non-occupational accidents with your employer (weekly minimum of 8 working hours), you can suspend the accident cover of the mandatory health insurance. This will save you 4 - 5%. Ask us for the accident cover suspension form or print it out.
Hospital insurances
You can choose your annual deductible and take more responsibility for the additional hospital insurances HOSPITAL Semi-Private and HOSPITAL Private and save massively on your premiums – up to 35%.
| Deductible (CHF) | Saving effect |
|---|---|
| 1'000.- | 15% |
| 2'000.- | 20% |
| 3'000.- | 25% |
| 5'000.- | 30% |
| 7'000.- | 35% |
Discount for families and partners
If several persons are insured under the same contract that has a single premium payer, we grant a 10% discount on additional insurances (except UTI and KTI capital insurances). For 2 people or more who live in the same household you can benefit from a 5% discount; and for 3 people or more you save 10%. For our legal costs insurance KLuG Advocare PLUS we give a 25% discount for 2 persons or more with the relevant cover.
Discount in case of accident insurance suspension
You can save 10% on some additional insurance policies if an equivalent private additional insurance covers this risk.
The cantons grant people on a low income a reduced premium payment in accordance with individual needs. This support is usually not provided automatically and is handled differently depending on canton. It’s worth your while to ask your municipal authorities or the responsible compensation office whether you are eligible. Exercise this right!
Mail order pharmacy
You can help save costs and order your medicines from our partner MediService. The specialist MediService pharmacy delivers your medicines quickly, conveniently and discreetly to your home.
When ordering from MediService you benefit from the following:
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New excess regulations
You can help lower drug costs by asking your doctor, pharmacist or KLuG about possible savings. An excess of 20% always means that there is a cheaper alternative that contains the same active ingredient. If there are medical reasons to take the original drug, the doctor can note it down and exempt the insured person from the 20% excess.
Price comparison, comparing excesses for drugs
Generics
Generics are copied drugs. They can be manufactured once a drug’s patent has run out. These successor drugs contain the same active ingredients as the original product. Clinically they are as effective as the original.
Choose generic drugs
Because there are no high development costs associated with generics, they are much cheaper than the original drugs. They offer a good opportunity to save costs without compromising the therapeutic effects.
Looking for generics?
Generics search