{"id":8627,"date":"2025-10-02T11:33:52","date_gmt":"2025-10-02T09:33:52","guid":{"rendered":"https:\/\/www.smolio.ch\/wissen\/save-money-on-health-insurance-the-top-10-tips\/"},"modified":"2025-03-16T14:30:23","modified_gmt":"2025-03-16T13:30:23","slug":"save-money-on-health-insurance-the-top-10-tips","status":"publish","type":"post","link":"https:\/\/www.smolio.ch\/en\/wissen\/save-money-on-health-insurance-the-top-10-tips\/","title":{"rendered":"Save money on health insurance: the top 10 tips"},"content":{"rendered":"<span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Lesedauer<\/span> <span class=\"rt-time\"> 4<\/span> <span class=\"rt-label rt-postfix\">Minuten<\/span><\/span>\n<p data-block-type=\"core\">Premiums for basic insurance will rise significantly again in the new year. Saving money on health insurance is particularly worthwhile this time. That&#8217;s why we&#8217;re sharing our best tips with you.<\/p>\n\n<!--more-->\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-0fb2729\" data-block-id=\"0fb2729\"><p class=\"stk-block-text__text\">How does a change in basic insurance work? We have already <a href=\"https:\/\/www.smolio.ch\/wissen\/grundversicherung-wechseln-wichtigste-fragen-praemienrechner\/\">discussed<\/a> all the answers to the most important questions in another article. Today we&#8217;re looking at how you can make more of your money by switching. And here they are, our top 10.   <\/p><\/div>\n\n<nav class=\"wp-block-stackable-table-of-contents stk-block-table-of-contents stk-block stk-257e9c3 stk-block-background\" data-block-id=\"257e9c3\"><p class=\"stk-table-of-contents__title\"><strong>Save money on health insurance &#8211; our top 10 tips<\/strong><\/p><ul class=\"stk-table-of-contents__table\"><li><a href=\"#1-frau-schau-genau\">1. woman look closely<\/a><\/li><li><a href=\"#2-wahle-ein-passendes-versicherungsmodell\">2. choose a suitable insurance model<\/a><\/li><li><a href=\"#3-optimiere-deine-franchise\">3. optimize your franchise<\/a><\/li><li><a href=\"#4-vermeide-doppelversicherung-fur-das-unfallrisiko\">4. avoid double insurance for accident risk<\/a><\/li><li><a href=\"#5-kassiere-rabatte-bei-jahrlicher-pramienzahlung-br\">5. collect discounts for annual premium payments<\/a><\/li><li><a href=\"#6-schicke-deine-versicherung-wahrend-militar-und-zivilschutz-in-die-pause\">6. send your insurance on a break during military and civil defense<\/a><\/li><li><a href=\"#7-streiche-pramienverbilligung-beim-kanton-ein\">7. cancel premium reductions with the canton<\/a><\/li><li><a href=\"#8-nutze-nur-wirklich-unabhangige-pramienrechner\">8. only use truly independent premium calculators<\/a><\/li><li><a href=\"#9-kundige-rechtzeitig-um-bei-der-krankenkasse-sparen-zu-konnen\">9. cancel in good time to save on health insurance  <\/a><\/li><li><a href=\"#10-trau-dich-und-tus-jetzt\">10. dare and do it now<\/a><\/li><li><a href=\"#zusammenfassung-geld-bei-der-krankenkasse-sparen-ist-einfach\">Summary: Saving money on health insurance is easy<\/a><\/li><\/ul><\/nav>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-4c92054\" id=\"1-frau-schau-genau\" data-block-id=\"4c92054\"><h2 class=\"stk-block-heading__text stk-block-heading--use-theme-margins\">1. woman look closely<\/h2><\/div>\n\n<p data-block-type=\"core\">Watch out women! You pay higher premiums than men in almost all age groups. As a woman, changing your basic insurance is therefore particularly worthwhile for you.  <br\/><\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-f8d6cc7\" id=\"2-wahle-ein-passendes-versicherungsmodell\" data-block-id=\"f8d6cc7\"><h2 class=\"stk-block-heading__text stk-block-heading--use-theme-margins\">2. choose a suitable insurance model<\/h2><\/div>\n\n<p data-block-type=\"core\">Most basic insurance plans offer a free choice of doctor as a standard model. Our tip: Do what most people do: choose a suitable <strong>alternative model<\/strong>, i.e. family doctor, HMO or telemedicine. You can save at least 10 and up to 25 percent.  <br\/><\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-bdbd157\" id=\"3-optimiere-deine-franchise\" data-block-id=\"bdbd157\"><h2 class=\"stk-block-heading__text stk-block-heading--use-theme-margins\">3. optimize your franchise<\/h2><\/div>\n\n<p data-block-type=\"core\">How many medical expenses can you cover yourself per year? You can choose this amount, known as the franchise, in increments. This is how much you have to pay for your treatment costs yourself. You can choose deductibles of 300, 500, 100, 1500, 2000 or 2500 francs per year. The lower the deductible you choose, the higher your monthly premium will be.<\/p>\n\n<p data-block-type=\"core\"><strong>All or nothing: choose the<\/strong> <strong>minimum deductible or the maximum deductible<\/strong>. Many people choose the minimum deductible of CHF 300, but this is not always the best choice. A rule of thumb derived from studies says: adults who spend less than CHF 2,000 a year on doctor&#8217;s visits, hospital stays, medication, etc. are better off financially with the maximum deductible of CHF 2,500.    <\/p>\n\n<p data-block-type=\"core\">If you expect costs of more than CHF 2,000, it&#8217;s better to choose the minimum deductible of CHF 300. If you don&#8217;t know how high your costs are, just look them up! Because once a year, your basic insurance will send you a summary of your medical costs for your tax return \ud83d\ude42  <br\/> <\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-ccc9acc\" id=\"4-vermeide-doppelversicherung-fur-das-unfallrisiko\" data-block-id=\"ccc9acc\"><h2 class=\"stk-block-heading__text stk-block-heading--use-theme-margins\">4. avoid double insurance for accident risk<\/h2><\/div>\n\n<p data-block-type=\"core\">Avoid second <strong>accident insurance<\/strong>: if you work more than 8 hours a week for the same employer, you can save on accident cover under your basic insurance. This is because it is already insured through your employer for occupational and non-occupational accidents. This exclusion saves you around 7 % on your premium.  <\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-4f2e1bb\" id=\"5-kassiere-rabatte-bei-jahrlicher-pramienzahlung-br\" data-block-id=\"4f2e1bb\"><h2 class=\"stk-block-heading__text stk-block-heading--use-theme-margins\">5. collect discounts for annual premium payments<br\/><\/h2><\/div>\n\n<p data-block-type=\"core\">Ask your new insurance company about <strong>discounts if you pay your premiums<\/strong> every six months or annually. With many insurance companies, this gives you a discount of 0.25 to 2 %. This pays off in several ways: you have less administrative work, don&#8217;t forget to pay bills and save money: for a household with several people, this can add up to several hundred francs. And the insurance company saves on costs, which keeps premiums lower. Not to mention that using less paper also makes ecological sense.    <\/p>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-53525df stk-block-background\" data-block-id=\"53525df\"><style>.stk-53525df {background-color:#02b875 !important;margin-bottom:40px !important;}.stk-53525df:before{background-color:#02b875 !important;}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-53525df-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-375282a\" data-v=\"4\" data-block-id=\"375282a\"><style>.stk-375282a {padding-top:20px !important;padding-right:20px !important;padding-bottom:20px !important;padding-left:20px !important;}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-375282a-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-375282a-inner-blocks\">\n<p class=\"has-white-color has-text-color\" data-block-type=\"core\">Related content<\/p>\n\n\n\n<div class=\"wp-block-stackable-posts stk-block-posts stk-block stk-86547d4 alignwide is-style-horizontal-2\" data-v=\"2\" data-block-id=\"86547d4\"><style>.stk-86547d4 {--stk-columns:1 !important;}.stk-86547d4 .stk-block-posts__image-link:not(:empty){width:25% !important;}.stk-86547d4 .stk-img-wrapper{height:100% !important;}.stk-86547d4 .stk-block-posts__title a{color:#ffffff !important;}.stk-86547d4 .stk-block-posts__excerpt p{color:#ffffff !important;}.stk-86547d4 .stk-block-posts__readmore{color:#192483 !important;}@media screen and (max-width: 767px){.stk-86547d4 .stk-block-posts__image-link:not(:empty){width:100% !important;}}<\/style><div class=\"stk-inner-blocks stk-content-align stk-86547d4-column alignwide\"><div class=\"stk-block-posts__items\"><div class=\"stk-block-posts__item\"><div class=\"stk-container stk-86547d4-container stk--no-background stk--no-padding\"><a href=\"https:\/\/www.smolio.ch\/en\/wissen\/switching-basic-insurance-the-most-important-questions-and-switching-in-3-steps\/\" class=\"stk-block-posts__image-link\"><figure class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"800\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/10\/25190033\/young-woman-walking-in-the-park-waving-a-farewell-2021-09-02-22-10-11-utc.webp\" class=\"attachment-full size-full wp-post-image\" alt=\"Grundversicherung wechseln\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/10\/25190033\/young-woman-walking-in-the-park-waving-a-farewell-2021-09-02-22-10-11-utc.webp 1200w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/10\/25190033\/young-woman-walking-in-the-park-waving-a-farewell-2021-09-02-22-10-11-utc-800x533.webp 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/10\/25190033\/young-woman-walking-in-the-park-waving-a-farewell-2021-09-02-22-10-11-utc-315x210.webp 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/10\/25190033\/young-woman-walking-in-the-park-waving-a-farewell-2021-09-02-22-10-11-utc-768x512.webp 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/10\/25190033\/young-woman-walking-in-the-park-waving-a-farewell-2021-09-02-22-10-11-utc-360x240.webp 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/10\/25190033\/young-woman-walking-in-the-park-waving-a-farewell-2021-09-02-22-10-11-utc-400x267.webp 400w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" title=\"\"><\/figure><\/a><article class=\"stk-container-padding\"><h3 class=\"stk-block-posts__title has-text-color\"><a href=\"https:\/\/www.smolio.ch\/en\/wissen\/switching-basic-insurance-the-most-important-questions-and-switching-in-3-steps\/\">Switching basic insurance: the most important questions and switching in 3 steps<\/a><\/h3><div class=\"stk-block-posts__excerpt has-text-color\"><p>Health insurance premiums rise every year.<br \/>\nYour counterstrike: check your health insurance premiums every year.<br \/>\nWe tell you what you need to know when switching and how it&#8217;s easy with an independent premium checker.  <\/p>\n<\/div><a class=\"stk-block-posts__readmore has-text-color\" href=\"https:\/\/www.smolio.ch\/en\/wissen\/switching-basic-insurance-the-most-important-questions-and-switching-in-3-steps\/\">Continue Reading<\/a><\/article><\/div><\/div><\/div><div class=\"stk-inner-blocks\"><\/div><\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-e1b0de8\" id=\"6-schicke-deine-versicherung-wahrend-militar-und-zivilschutz-in-die-pause\" data-block-id=\"e1b0de8\"><h2 class=\"stk-block-heading__text stk-block-heading--use-theme-margins\">6. send your insurance on a break during military and civil defense<\/h2><\/div>\n\n<p data-block-type=\"core\"><strong>Your basic insurance also takes a break during military service<\/strong>. While you are doing military, civil defense or civilian service, you are covered by SUVA military insurance. If you serve more than 60 days in a row, you can <a href=\"https:\/\/www.suva.ch\/de-ch\/versicherung\/militaerversicherung\/militaerversicherung\" target=\"_blank\" rel=\"noreferrer noopener\">take a break from your health insurance<\/a> and save on the premium. To do this, send your insurance company your marching orders or confirmation of entry into service and, after your military service, the extract from your service booklet.   <\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-24d3a12\" id=\"7-streiche-pramienverbilligung-beim-kanton-ein\" data-block-id=\"24d3a12\"><h2 class=\"stk-block-heading__text stk-block-heading--use-theme-margins\">7. cancel premium reductions with the canton<\/h2><\/div>\n\n<p data-block-type=\"core\"><strong>If your income is modest, you are entitled to a premium reduction.<\/strong>  This is regulated differently in each canton. How high is the reduction in the premium? This depends on your age, place of residence and income. You must submit your application for a reduction in the following year to the cantonal contact point by the end of the current calendar year. You can check whether you are eligible for a reduction with a quick online search. Simply enter &#8220;premium reduction [mein Kanton] calculator&#8221; in the search engine of your choice.       <\/p>\n\n<p data-block-type=\"core\">After your application, your canton of residence will check whether you are entitled to a reduction. It can take up to 3 months to do this. If so, it will inform your basic insurance company of the reduced premium. It then has 1 month to adjust the bill. Any premiums you have paid in excess in the meantime will be credited to your future invoice amounts.    <\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-8dec37e\" id=\"8-nutze-nur-wirklich-unabhangige-pramienrechner\" data-block-id=\"8dec37e\"><h2 class=\"stk-block-heading__text stk-block-heading--use-theme-margins\">8. only use truly independent premium calculators<\/h2><\/div>\n\n<p data-block-type=\"core\">You can find various health insurance calculators from comparison portals on the internet. Their business model is based, among other things, on the fact that they receive commission from providers if you find and take out their insurance via the comparison portal. They are therefore anything but independent or neutral. That&#8217;s why you should <strong>only use the <a href=\"http:\/\/priminfo.admin.ch\" target=\"_blank\" rel=\"noreferrer noopener\">official calculator<\/a><\/strong> provided by the Federal Office of Public Health (FOPH). You won&#8217;t be sold anything there, just informed. The calculation there is anonymous, independent and free of advertising.     <\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-7ca6154\" id=\"9-kundige-rechtzeitig-um-bei-der-krankenkasse-sparen-zu-konnen\" data-block-id=\"7ca6154\"><h2 class=\"stk-block-heading__text stk-block-heading--use-theme-margins\">9. cancel in good time to save on health insurance  <\/h2><\/div>\n\n<p data-block-type=\"core\">As soon as you have decided on a new basic insurance, you can cancel your old insurance. You can do this even before the new insurer has confirmed your acceptance. Because it has to accept you. Your notice of termination must be received by your previous insurer by November 30 of the current year at the latest.     <\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-8c2b682\" id=\"10-trau-dich-und-tus-jetzt\" data-block-id=\"8c2b682\"><h2 class=\"stk-block-heading__text stk-block-heading--use-theme-margins\">10. dare and do it now<\/h2><\/div>\n\n<p data-block-type=\"core\">According to surveys, only around 10% of the population change their basic insurance. And this despite the fact that everyone would like to save money on health insurance. I don&#8217;t know how much you earn per hour. But I can tell you that few financial optimizations have such a high hourly wage. For a family, switching quickly saves several hundred francs a year. Our tip: use the premium calculator now, compare and switch.<\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-f5d3194\" id=\"zusammenfassung-geld-bei-der-krankenkasse-sparen-ist-einfach\" data-block-id=\"f5d3194\"><h2 class=\"stk-block-heading__text stk-block-heading--use-theme-margins\">Summary: Saving money on health insurance is easy<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-00649bc\" data-block-id=\"00649bc\"><p class=\"stk-block-text__text\">With a little effort, you can quickly save several hundred francs on your basic insurance premium. This is because the benefits are identical for all insurance policies. To find a low-cost insurer, use the FOPH&#8217;s official premium calculator, which is updated every year with the current insurance rates. This means you can also save on health insurance without really having to sacrifice benefits.<\/p><\/div>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-3112f5f stk-block-background callout\" data-block-id=\"3112f5f\" data-block-type=\"core\" data-block-type=\"core\"><style>.stk-3112f5f{background-color:#02b875 !important;margin-bottom:40px !important}.stk-3112f5f:before{background-color:#02b875 !important}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-3112f5f-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-4a4cbd5\" data-v=\"4\" data-block-id=\"4a4cbd5\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-4a4cbd5-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-4a4cbd5-inner-blocks\">\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-fe9674b\" data-block-id=\"fe9674b\"><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-827\" src=\"https:\/\/www.smolio.ch\/wp-content\/uploads\/2017\/08\/Vorsorgecheck-live_Einkommensu&#x308;bersicht-niedergelassene_Smolio-Wissen.png\" width=\"800\" height=\"566\" alt=\"Smolio pension check shows income in retirement with Pensions 2020\" title=\"\"><\/span><\/figure><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-4891e88\" data-v=\"4\" data-block-id=\"4891e88\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-4891e88-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-4891e88-inner-blocks\"><p data-block-type=\"core\"><div class=\"mautic-slot\" data-slot-name=\"c2a-blog-finanzdashboard\"><\/p>\n<h3>Mach den ersten Schritt zur finanziellen Unabh\u00e4ngigkeit<\/h3>\n<p> In einer Minute siehst du deine Verm\u00f6gensentwicklung und dein Einkommen w\u00e4hrend der Rente. <\/p>\n<p> <a href=\"https:\/\/cockpit.smolio.ch\/de\/vorsorgecheck\/start\/1\/\" target=\"_blank\" rel=\"noopener\">Rentenrechner starten<\/a> <\/p>\n<p><\/div><\/p>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<p data-block-type=\"core\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Basic insurance premiums are rising again in the new year. Saving money on basic insurance is always worthwhile. We share our best tips with you.    <\/p>\n","protected":false},"author":8,"featured_media":5653,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2175],"tags":[2430,2431,2429,2432,2433,2434],"class_list":{"0":"post-8627","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-optimize-finances","8":"tag-basic-health-insurance","9":"tag-change-basic-insurance","10":"tag-financial-decisions","11":"tag-health-insurance","12":"tag-optimal-franchise","13":"tag-saving-tips"},"nelio_content":{"autoShareEndMode":"never","automationSources":{"useCustomSentences":false,"customSentences":[]},"efiAlt":"","efiUrl":"","followers":[8],"highlights":[],"isAutoShareEnabled":false,"networkImageIds":[],"permalinkQueryArgs":[],"series":[],"suggestedReferences":[]},"featured_image_urls_v2":{"full":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/10\/24073851\/Smolio-Blog-Krankenkasse-sparen_saving-for-healthcare-and-medicine-health-insuran-2021-09-04-01-31-38-utc_1200x800.webp",1200,900,false],"thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/10\/24073851\/Smolio-Blog-Krankenkasse-sparen_saving-for-healthcare-and-medicine-health-insuran-2021-09-04-01-31-38-utc_1200x800-315x236.webp",315,236,true],"medium":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/10\/24073851\/Smolio-Blog-Krankenkasse-sparen_saving-for-healthcare-and-medicine-health-insuran-2021-09-04-01-31-38-utc_1200x800-800x600.webp",800,600,true],"medium_large":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/10\/24073851\/Smolio-Blog-Krankenkasse-sparen_saving-for-healthcare-and-medicine-health-insuran-2021-09-04-01-31-38-utc_1200x800-768x576.webp",768,576,true],"large":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/10\/24073851\/Smolio-Blog-Krankenkasse-sparen_saving-for-healthcare-and-medicine-health-insuran-2021-09-04-01-31-38-utc_1200x800.webp",1140,855,false],"1536x1536":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/10\/24073851\/Smolio-Blog-Krankenkasse-sparen_saving-for-healthcare-and-medicine-health-insuran-2021-09-04-01-31-38-utc_1200x800.webp",1200,900,false],"2048x2048":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/10\/24073851\/Smolio-Blog-Krankenkasse-sparen_saving-for-healthcare-and-medicine-health-insuran-2021-09-04-01-31-38-utc_1200x800.webp",1200,900,false],"davenport-blog-thumb":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/10\/24073851\/Smolio-Blog-Krankenkasse-sparen_saving-for-healthcare-and-medicine-health-insuran-2021-09-04-01-31-38-utc_1200x800-1140x694.webp",1140,694,true],"davenport-blog-thumb-grid":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/10\/24073851\/Smolio-Blog-Krankenkasse-sparen_saving-for-healthcare-and-medicine-health-insuran-2021-09-04-01-31-38-utc_1200x800-555x360.webp",555,360,true],"davenport-blog-thumb-widget":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/10\/24073851\/Smolio-Blog-Krankenkasse-sparen_saving-for-healthcare-and-medicine-health-insuran-2021-09-04-01-31-38-utc_1200x800-220x180.webp",220,180,true],"davenport-blog-thumb-masonry":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/10\/24073851\/Smolio-Blog-Krankenkasse-sparen_saving-for-healthcare-and-medicine-health-insuran-2021-09-04-01-31-38-utc_1200x800-360x270.webp",360,270,true],"woocommerce_thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/10\/24073851\/Smolio-Blog-Krankenkasse-sparen_saving-for-healthcare-and-medicine-health-insuran-2021-09-04-01-31-38-utc_1200x800-300x300.webp",300,300,true],"woocommerce_single":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/10\/24073851\/Smolio-Blog-Krankenkasse-sparen_saving-for-healthcare-and-medicine-health-insuran-2021-09-04-01-31-38-utc_1200x800-400x300.webp",400,300,true],"woocommerce_gallery_thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/10\/24073851\/Smolio-Blog-Krankenkasse-sparen_saving-for-healthcare-and-medicine-health-insuran-2021-09-04-01-31-38-utc_1200x800-300x300.webp",300,300,true]},"post_excerpt_stackable_v2":"<p>Basic insurance premiums are rising again in the new year. Saving money on basic insurance is always worthwhile. We share our best tips with you.    <\/p>\n","category_list_v2":"<a href=\"https:\/\/www.smolio.ch\/en\/finanzthemen\/optimize-finances\/\" rel=\"category tag\">Optimize finances<\/a>","author_info_v2":{"name":"Thomas","url":"https:\/\/www.smolio.ch\/en\/wissen\/author\/thomas\/"},"comments_num_v2":"0 comments","_links":{"self":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8627","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/comments?post=8627"}],"version-history":[{"count":5,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8627\/revisions"}],"predecessor-version":[{"id":10137,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8627\/revisions\/10137"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/media\/5653"}],"wp:attachment":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/media?parent=8627"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/categories?post=8627"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/tags?post=8627"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}