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Partner Pharmacy instead of House Doctor (is this fine?)
In my opinion yes, you will just have to go to a pharmacy first, if there is something wrong with you were you should see a doctor they will send you to a doctor. This is just to avoid doctor consultations for simple stuff where a doctor visit is not even appropriate. If you don’t mind this - go for it. -
Infortuna
Personally I would not take this on. CHF 12.20 per month is way too expensive and this will only be needed in countries such as the USA. Also if you travel to the USA and suddenly get sick very badly and need emergency treatment this will not cover the cost, as this only covers Unfall and not Krankheit.
In most countries where health cost are just a little bit higher or even lower than in Switzerland you don’t need this as basic insurance already covers up to 2x the swiss cost. This is not sufficient in only a few countries. (mainly USA, Canada) If you only travel to the USA lets say once per year for a few weeks or even less it’s cheaper to just take up a one time Travel Insurance every time you travel there. For example this one here from Atupri: (you don’t need to be with Atupri to take this on)
https://www.atupri.ch/de/private/versicherungen/reiseversicherung
Will cost you e.g. CHF 22 for 15 days, this covers Unfall and Krankheit and it will take less than 3 minutes to get. (completly online)