[orwin]

> Actually I think private insurance generally had the potential to be much better than public insurance

Why? Maybe private care is better than public care, i don't know, but insurance? Swisslife (one of the best/most efficient in my country) reimburse 65 to 67% of their anual income, so roughly 33% of what you're giving them goes into administration/coordination fees. Public insurance? 20% of the money they receive via taxes are used for administration/coordination.

So if i had a choice, i would pay a premium on public insurance (more taxes, or instead, asking my bosses to give the 120€/mo to the public insurance instead of paying swisslife). Better ROI.