[s3nnyy]

It's not like this in the US?

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.

[snovv_crash]

In the US the deductible is different depending on the treatment required. Defeats the purpose of insurance in my opinion.

[s3nnyy]

So if you have a disease/accident that costs $100k to treat, how much is the deductible? If it's like $5k, it's okay.

[snovv_crash]

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.

[s3nnyy]

I heard, doctors make 2-3x than in Switzerland. Someone has to pay for that I guess.

[vinay427]

It's still a deductible and is comparable in coverage to a single deductible if you choose lower deductibles for each type.

[snovv_crash]

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.