Insurance saving tips: since the national health insurance scheme was introduced in 1996, all permanent residents of Switzerland have been able to purchase coverage regardless of age or pre-existing physical conditions, Let's look at how the system works and where you might save some money.

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Insurance saving tips: since the national health insurance scheme was introduced in 1996, all permanent residents of Switzerland have been able to purchase coverage regardless of age or pre-existing physical conditions, Let's look at how the system works and where you might save some money.

Basic health insurance premiums are not based on your risk rating, and are the same for each policyholder in a particular insurance company. The premiums can vary within a canton and are oftentimes more expensive in cities, as insurers have noted that people in rural areas visit doctors less frequently.

This is a considerable improvement from the situation before 1996, when premiums were...

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