The system is universal, but not complete. In fact, you should pay and that's how it works and it doesn't generate scarcity. There is 3 types of services in Swi

The system is universal, but not complete. In fact, you should pay and that's how it works and it doesn't generate scarcity. There is 3 types of services in Switzerland: public with 2500 bed, subsidised private and private. I will quote: > The insured person pays the insurance premium for the basic plan up to 8% of their personal income. If a premium is higher than this, the government gives the insured person a cash subsidy to pay for any additional premium. So, it's a basic insurance that doesn't cover everything. Also quoting: > "Health insurance covers the costs of medical treatment and hospitalization of the insured. However, the insured person 'pays part of the cost of treatment' and 'For hospitalisation, one pays a contribution to room and service costs'." As you can see, there's no 'free' but subsidizied basic healthcare treatments, but then you should pay everything.