For employee, universal public healthcare is mandatory and paid to the state. Part is paid directly by your company (you don't see it on your wage slip) and part is paid by the company on your behalf (appears on your wage slip). The same goes for retirement.

Also taken from your salary, a complementary private healthcare plan chosen by your employer. I just literally learnt yesterday the mandatory part on the company private complementary plan. You can not reject the company plan if it does not suit you. But you can take another complementary plan on your own. BUT only one is eligible for reimbursement. So you basically loose part of your salary if you choose a better complementary health plan as recipient of your health bills.

Now, if you are a freelancer, well, you also have to pay all of that, all by yourself this time. The affiliation is different (RSI) but you still have to pay universal public healthcare. Then you are free to have a complementary private healthcare plan or not.

All critical health issue are covered by universal public healthcare. Less critical stuff like dental implants or ultra-thin glasses are not. You don't get a hole if you don't have complementary health insurance, you get a cheap dental plate.