As I said I don’t know anyone who doesn’t have zero franchise for their kids.
It really isn’t. Between accidents, illness, vaccinations, routine milestone health checks and medicines it is really unlikely that young children won’t reach 400 every year.
Kids insurance:
- deductible (Franchise): is generally zero (in which case you only are responsible for the co-pay and that too is capped at 350 (it is possible to increase the franchise, if your insurance offers it, but the cost savings are - so I've heard - marginal and in case of small kids inexistent)
- co-pay (Selbstbehalt): is 10% (only adults who are insured via their employer have no co-pay in case of an accident, if you are a stay-at-home parent, you still have co-pay for an accident). This amount is capped at 350 for kids.
How are invoices paid:
tiers garant: the hospital, doctor, etc. send you the bill, you pay, then submit it to your health insurance who will reimburse you after deducting deductible and co-pay.
tiers payant: the hospital, doctor, etc. send your bill to the insurance, who will pay it and issue you a bill for the amount you owe to the insurance, i.e the deductible and co-pay.