Switzerland has them for supplementary health insurances. In a nutshell, Switzerland has two types of health insurances. The basic one, which is mandatory, and

Switzerland has them for supplementary health insurances. In a nutshell, Switzerland has two types of health insurances. The basic one, which is mandatory, and whose coverage and price is set by the government. It covers more or less everything that endangers your health. Pretty close to ACA in the US if I'm not mistaken, but a lot more regulated. And then you can add supplementary insurances, for stuff like dental, private rooms in hospitals, experimental treatments, ... It's common to be denied coverage there, especially as you get older.