🔒 Your privacy on Claude
You can sign up for Claude with an invented or impersonal email address – this is perfectly fine. You don't need to enter or upload any personal information. Even without real data, you can use all the exercises and prompts in this course – simply replace the placeholders with fictional examples. Your privacy comes first.
Key terms
| Term | What does it mean? |
|---|---|
| Franchise (Deductible) | The amount you pay yourself first each year. Standard: 300 francs, maximum: 2,500 francs. |
| Selbstbehalt (Co-payment) | 10% of further costs after the deductible – max. 700 francs per year. |
| Prämie (Premium) | The monthly amount you pay to the health insurer. |
| IPV (Premium reduction) | State support for people with low incomes – Individuelle Prämienverbilligung. |
Calculate your own costs
[Please reply in English using simple, plain language. Avoid jargon – if you use technical terms, explain them immediately.] I have a deductible (Franchise) of 1,500 francs and my medical costs totalled 2,200 francs. How much do I pay myself and how much does my health insurance cover?
Applying for premium reduction (IPV)
💡 Who is eligible?
- IV (Invalidenversicherung) pensioners: usually eligible – apply now!
- People receiving Sozialhilfe: IPV is often handled automatically.
- Young people up to age 25 in training: have their own IPV rates.
Apply for IPV
[Please reply in English using simple, plain language. Avoid jargon – if you use technical terms, explain them immediately.] I live in Canton Basel and receive an IV pension of 1,600 francs per month. My health insurance premium is 420 francs per month. Am I entitled to the premium reduction (IPV)? What do I need to do and what documents do I need?
Checking and contesting invoices
Understand an insurance statement
[Please reply in English using simple, plain language. Avoid jargon – if you use technical terms, explain them immediately.] My health insurance refused a treatment. The statement says: [Paste text here] What does this mean and can I file an appeal (Einsprache)?
Switching health insurance (Kassenwechsel)
You can switch health insurance once a year. The basic insurance (Grundversicherung) is the same with all insurers – only the premiums differ.
| When to cancel? | Deadline |
|---|---|
| Switch from 1 January | Cancel by 30 November (registered letter) |
| Switch from 1 July | Cancel by 31 March |
| If premiums increase | Special cancellation possible by end of November |
💡 Tip
- Official premium comparison: priminfo.admin.ch
- Claude can draft the cancellation letter (Kündigungsschreiben) for you.
Cancellation letter
[Please reply in English using simple, plain language. Avoid jargon – if you use technical terms, explain them immediately.] I want to switch health insurance. My name: [Name], I live in Basel. Current insurer: [Name of insurer] Cancellation date: 31 December Please write a formal cancellation letter (Kündigungsschreiben) in German.
✓ Module 4 completed
Well done! Click «Next» to go to the next module.