Swiss health insurance model of successful know-how
Switzerland's health insurance model is now of concern to the industry, not only to achieve universal coverage, but also a higher quality of coverage, the cost is far lower than the insurance companies led the U.S. model. The Swiss model is considered to balance the fairness, economic efficiency and patient autonomy plan.

Switzerland's success Naishi effective means through the government to encourage people to buy health insurance. Before 1996, health insurance costs to enjoy tax relief. Once the underwriting, the insurance company to ensure that renewal, increased young people's enthusiasm for early enrollment. By 1996 when the compulsory basic insurance for all Swiss citizens are basically already have health insurance. In addition, the commercial insurance companies also offer supplementary insurance to high-level medical care for those in need.

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3000 points back on the stock market investment with insurance re-open their floodgates to China Life Insurance 700 million capital increase or for the public embarrassment to pave the way for a new case of auto insurance phone insurance executives in 2010 after the Audit actuaries annual income of 12 million or more, committed suicide under the new insurance law to claims do? Local governments provide income through the tax subsidies to make low-income residents to buy mandatory health insurance, so as to reduce the administrative burden on the government to focus on its regulatory function. Through "managed competition model" to enhance efficiency, the price of compulsory insurance and guarantees are subject to monitoring. Prices based only on the insured location, age (divided into three groups: 18 years of age or before; 19-25 years of age; 25 years old and above) and place of residence to adjust the degree of urbanization. Additional insurance prices according to the insured's medical history, risk and gender adjustment. Health insurance funds in order to reduce operating costs to compete, it is estimated that the competition mechanism in 1996 to 2001 to enable the insured to reduce the administrative costs an average of 5%. Insured workers can also choose to participate in health care organizations to control the behavior of unnecessary medical treatment. There is also a deductible, giving the insured has not paid incentives. These features also help to curb moral hazard.

Swiss model has its weaknesses. It is generally believed that the contents of the basic medical care too much into the reasons for rising health costs. In 2004, health cost of 11.6% of the gross domestic product. Politically, the government is not easy to transfer the contents of the basic guarantees of the part of the supplementary insurance. (Money week)