Hello, I also have a question.
Let's say that I have selected an annual franchaise of X francs, and I take one of those complementary options for hospitalization (e.g. semi-private room).
This means that in any case the insurance company will cover my cost of hospitalization in a semi-private room? Or it means that the cost of the hospitalization will be added in my annual expenses and only after I reach X francs I will get it refunded?