Health insurance updates in Switzerland and Germany

In Switzerland, Roman Güntensperger of Groupe Mutuel provided guidance on navigating health insurance complexities, specifically regarding franchises and deductibles. The franchise is an annual amount between 300 and 2,500 CHF that individuals pay entirely themselves, while the deductible (Selbstbehalt) is a subsequent 10 percent of remaining costs, capped at 700 CHF per year.

In Germany, Allianz has announced a new product portfolio titled ‘MeinKrankenhausschutz’, set to launch in October 2026. The offering includes three structured inpatient supplementary insurance tariffs designed to address the gap for the 90 percent of statutory health insurance members who currently lack supplementary coverage. The tiers include a ‘Smart’ entry-level option for young adults, a ‘Plus’ option for families, and a ‘Best’ premium tier providing access to private clinics.