It is the question that comes up most: “How much subsidy will I get?” The answer depends on one key figure, the unified determining income (RDU). Understanding how it is calculated helps you avoid underestimating your entitlement.
The RDU is set by the administration from your latest tax assessment, plus a fraction of your wealth (about 1/15, i.e. 6.7%). Some tax deductions are added back. As a result, two people on the same salary can have a different RDU depending on their savings and situation.
The canton places every insured person in one of 9 income groups. The lower the RDU, the lower the group, and the higher the subsidy. The amount then decreases in steps of roughly CHF 10,000 of RDU. The scale in figures shows the exact amount per group.
If your situation changes during the year (job loss, separation, retirement, birth), a review is possible without waiting for the next year. See our change in circumstances page. Not sure of your group? Estimate your subsidy in 2 minutes.
Free, no sign-up. You can also request a call back from an adviser.
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