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Bwild: My government pays nothing : every month a part is taken from my wage. All the salaried employees have to pay every month, even they are ill or not. And if you don't work, so don't contribute, you have no insurance at all (not 75 % and not 25 %). Children are with their parents under 18 years old. After, they have to pay a part, even they work or not, so you see, actually, I have to pay for my son 18 years old who is student at the University.