It certainly would be for 400 chfs a month! My bill is about 210 chfs (franchise of 2000, includes basic and supplementary) and my medical bills for the whole of last year were well under 200 chfs, including asthma inhalers. I 'win' after only one month!

I really would recommend doing a quick 'monthly premium versus projected bills' calculation - it could save 100s of francs a year.

The Swiss seem to be very happy with their system -

Swiss are happy with healthcare system

As a Brit, I also think the CH system is quite good.

The model allows for some flexibility in that if you aren't a timewaster it doesn't cost much to have insurance (note: I am not implying that all people who go to the Dr are timewasters).

Where I see some abuse is when Drs ask for more tests or offer a prescription for over-the-counter products that are not covered by the insurance company (although the writing the prescription is).

Another example: during my wife's pregnancies (esp the first) we had extra tests "just to be safe" when really they weren't needed. We didn't bother the second time around.

That all said, the health services here are actually quite good, because they are funded via this - what I call - semi-private insurance system. Purely public ones, like the NHS, suffer because they are fully at the mercy of Whitehall bureaucrats whose only function is to cut costs.

Thanks, I get the bit about filing the bills for reimbursement, but I actually meant to ask if there is a need to fill out the accident report form in this case?

"the accident report form" - where did the form come from? If you want a bill to be paid by any Insurance, I'd guess you'd probably need it - but this time I am guessing.

On the insurance company's - Intras - website.