in addition:
We got a way different insurance system here in Austria:
People can not choose their agancy. They are insured by their employer
and so it depends what and where you are working.
There are nine different health insurances, going along with the nine
states in Austria. In addition there are special insurance agencies
for "self employed", "public officials", employees of the railroad
company and farmers.
So we got 13 different insurance agencies who all have different
services to their clients. And that in a country with 8.3 Million
people.
Why is this important for Students?
Children, including students, up to the age of 26 (as long as they are
within the education process) are insured through their parents
insurance and have not to pay for it.
Result: All students are members of all 13 different insurance
agencies and all get different services. Although the differences are
minimal, there are differences. But for example most residents doctors
do have licences for all insurance agencies.
So i am still working on it.