Health insurance in Switzerland

Health insurance in Switzerland is mandatory for all residents, providing coverage for medical treatments, hospital stays, medications, and preventive care. Individuals purchase insurance from private providers, but the government regulates the system to ensure fair access. Premiums are paid monthly and vary based on the insurer, coverage plan, age, and region. Citizens can choose their deductible (the amount paid out-of-pocket before insurance kicks in), influencing premiums. Basic insurance covers essential health services, while additional plans can offer extended benefits. The system emphasizes universal access, quality care, and personal responsibility, with subsidies available for those with lower incomes.