Worst case scenario for health costs

1

I was thinking today of the worst case scenario for health costs (knock on wood).
What I used to know is the typical Insurance+700+deductible, where 700 is the maximum amount you can pay after paying the deductible.
I know that if you are unlucky enough to get a weird illness not covered by the racket, you have to pay it on your own. That might cost a lot. Another thing I know, but don’t know exactly what it is, is the daily cost you have to pay if you stay in a hospital It should be around 20-60chf.

Anyone knows any other cost? I’m not 100% sure that if one of us get something bad (heart transplant?) you just have to pay the stuff I mentioned above.

Ideas?

That might get handy when we want to calculate the FIRE amount in Switzerland.

2

It would be good to get a list of covered things vs not covered.

The only thing I can think of when getting a heart transplant is that I want it to be done by the “best” hospital in Switzerland. Insurance doesn’t cover private clinics etc. if you don’t have it selected on your plan.

3

Here they say that the hospital additional fee is 15chf per day:
https://www.ch.ch/en/basic-health-insurance-services/