hi,

a great set of information. Currently my wife and I have separate health insurance policies with Gruppe Mutuel which means that we are paying between close to 800 Sfr a month. In over 20 years in Switzerland I have never received any money from the health insurance as any bills I have incurred have never been greater than the franchise.

My question, does it exist or make any sense to have a combined health insurance and would it reduce the costs significantly ?

As I get older the frightening cost of health insurance here worries me.

Thanks
Martin