http://www.expatica.com/ch/healthcar...nd_103130.html
Swiss healthcare is outstanding. Its combined public, subsidised private and totally private healthcare system create an extensive network of highly qualified doctors (many of them from elsewhere in the EU) and hospitals, the best equipped medical facilities and no waiting lists, but it all comes at a price: around 10 percent of the average Swiss salary goes towards health insurance premiums. .. There is no free state health service in Switzerland. . . .
Basic health insurance in Switzerland
There are around 80 health insurance companies in Switzerland, each offering the same benefits in their basic health insurance policies and they are obliged to accept anyone who applies, regardless of pre-existing health conditions.
The basic health insurance policy covers:
Out-patient treatment by officially recognised doctors;
Emergency treatment;
A contribution to transport/rescue expenses;
Medicines prescribed by a doctor and on an official list;
Maternity check-ups, tests, ante-natal classes, childbirth;
Abortions and gynaecological check-ups;
Vaccinations;
Rehabilitation after operations or illness;
Medical treatment when on short trips outside of Switzerland;
Some alternative therapies, like homeopathy and Chinese medicine and psychotherapy if this is given within the medical practice.
The patient's contribution
In any given year, adults have to pay the first CHF 300 of any medical treatment themselves, except for maternity services. This contribution is called an ‘excess’. The insurance will only pay what exceeds the excess and even then, the patient has to pay 10 percent of that amount. This is called the ‘deductible’ and is limited to CHF 700 per year or CHF 350 per year for children. If you need to go to hospital, you have to pay CHF 15 per day.
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