In Switzerland there is a deductible for adults but everything connected to pregnancy and child-birth is deductible-free. Also, kids below 18 yrs old have mandatory insurance that is has no deductible, thus treatments for them are free.
I've seen people paying 30% of hospital bills with "full coverage" insurance. The insurance doesn't actually insure you, they just give discounts for a monthly subscriber fee. It is really really stupid.
Yes, but compared to Switzerland there is no annual cap. If you have 3 medical incidents in the same year you pay the deductible on each. This means the insurance doesn't actually protect you from financial ruin if enough bad stuff happens to you, thus defeating the point of the insurance all together.
