Switzerland Health insurance

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healthcare in switzerland universal , regulated swiss federal law on health insurance. health insurance compulsory persons residing in switzerland (within 3 months of taking residence or being born in country). therefore same throughout country , avoids double standards in healthcare. insurers required offer basic insurance everyone, regardless of age or medical condition. not allowed make profit off basic insurance, can on supplemental plans.


the universal compulsory coverage provides treatment in case of illness or accident , pregnancy. health insurance covers costs of medical treatment, medication , hospitalization of insured. however, insured person pays part of costs maximum, can vary based on individually chosen plan, premiums adjusted accordingly. whole healthcare system geared towards general goals of enhancing general public health , reducing costs while encouraging individual responsibility.


the swiss healthcare system combination of public, subsidised private , totally private systems. insurance premiums vary insurance company company, excess level individually chosen (franchise), place of residence of insured person , degree of supplementary benefit coverage chosen (complementary medicine, routine dental care, semi-private or private ward hospitalisation, etc.).


the insured person has full freedom of choice among approximately 60 recognised healthcare providers competent treat condition (in region) on understanding costs covered insurance level of official tariff. there freedom of choice when selecting insurance company 1 pays premium, on monthly basis. insured person pays insurance premium basic plan 8% of personal income. if premium higher this, government gives insured person cash subsidy pay additional premium.


the compulsory insurance can supplemented private complementary insurance policies allow coverage of of treatment categories not covered basic insurance or improve standard of room , service in case of hospitalisation. can include complementary medicine, routine dental treatment , private ward hospitalisation, not covered compulsory insurance.


as far compulsory health insurance concerned, insurance companies cannot set conditions relating age, sex or state of health coverage. although level of premium can vary 1 company another, must identical within same company insured persons of same age group , region, regardless of sex or state of health. not apply complementary insurance, premiums risk-based.


switzerland has infant mortality rate of 3.6 out of 1,000. general life expectancy in 2012 men 80.5 years compared 84.7 years women. these world s best figures.








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