You may apply to be exempted from the payment of prescription fees and deductibles on doctor’s fees in given family or health circumstances or if your income is low. Deductibles are collected by the Social Insurance Institution for Commerce and Trade (Sozialversicherung der Gewerblichen Wirtschaft, SVS) and also by the Social Insurance Institution for Public-Sector Employees. Moreover, SVS has introduced a bonus system for preventive healthcare measures under which the deductible may be lowered from 20% to 10%, regardless of how much you earn.