Most of these systems works like an extra payroll tax: it is a tax on salary as percentage, as opposed to a car or house insurance that is linked to the value o

Most of these systems works like an extra payroll tax: it is a tax on salary as percentage, as opposed to a car or house insurance that is linked to the value of the risks insured, not the income of the payer. This is why some people are opposing to that system, the tax vs insurance debate.