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Yawan kuɗin inshorar lafiya da ke ƙaruwa a hankali yana
zama nauyi mai girma na kuɗi ga mutane da yawa a Switzerland.

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A cewar wata sanarwa ga manema labarai daga
Ofishin Tarayya na Lafiyar Jama'a (FOPH), za su ƙaru da

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matsakaicin kashi 4.4 cikin ɗari a shekarar 2026.

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Domin rage haɓakar kuɗaɗen kashewa a fannin inshorar
lafiya ta tilas, Majalisar Tarayyar Switzerland tana aiwatar

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da shirin sarrafa kuɗaɗen kashewa bisa ga rahoton ƙwararru.

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An yi niyyar wannan ne don sauƙaƙe
nauyin masu biyan kuɗin inshora.

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Biyo bayan "Kunshin Kula da Kudin 1" na shekarar 2019,
Majalisar Dokoki ta Switzerland ta amince da "Kunshin Kula da

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Kudin 2" a bazarar 2025, wanda ya ƙunshi ƙarin matakai 16.

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A watan Agusta 2025, wasu kafofin watsa labarai na Switzerland
suka ruwaito, abin mamaki, cewa Majalisar Dokoki ta amince da

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murya ɗaya cewa, a matsayin wani ɓangare na wannan
hukunci, kamfanonin inshorar lafiya za su biya dukkan kuɗin

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zubar da ciki a Switzerland daga shekarar 2027 zuwa gaba.

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Har zuwa yanzu, ana samun zubar da ciki kyauta ne
kawai a Faransa, Netherlands, Ireland da Denmark.

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Babu kowa – ko ma masu adawa da zubar da
ciki a Majalisar Dokoki – da alama bai lura da

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abin da aka ɓoye a cikin rubutun dokar ba.

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Dole ne matar ta biya ƙarin kuɗin shekara-shekara
da kuma haɗin biyan doka na kashi 10% da kanta.

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Karin shekara-shekara shi ne mafi karancin adadin shekara-shekara
– ana iya zaɓar shi cikin 'yanci tsakanin franc na Switzerland

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300 da 2,500 – wanda masu inshora dole ne su biya da kansu.

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Kudin zubar da ciki – tsakanin francs na Switzerland 700 don
zubar da ciki ta magani da francs na Switzerland

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1,500 don zubar da ciki ta tiyata – za a rufe shi
gaba ɗaya ta inshorar lafiya daga shekarar 2027.

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An kiyasta cewa jama'a za su ɗauki sabbin
kuɗaɗe na kimanin miliyan 28 na farans na Swis.

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A Switzerland, mace na iya yanke shawara da kanta ko za
ta yi zubar da ciki har zuwa mako na 12 na juna biyu.

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Ba a hukunta zubar da ciki idan matar da abin ya shafa ta gabatar
da buƙata ta rubuce tana bayyana cewa tana cikin matsanancin

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wahala ta jiki ko ta zuciya kuma ta nemi shawarar likita.

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A cikin wata sanarwar manema labarai mai ranar 1 ga
Satumba, 2025, EDU Switzerland ta sanar cewa za ta yi

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ƙarfi wajen adawa da wannan umarnin tarayya, tana mai cewa:

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Ba za a iya fahimta ba cewa gwamnati tana rufe duk kuɗaɗen cire
ciki, kamar dai wata aikin likita ce mai matuƙar muhimmanci da ta

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cancanci kulawa ta musamman, alhali kuma ana
sau da yawa ba a biya dukkan kuɗaɗen muhimman

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tiyata kamar na zuciya ko na maganin sankara ba.

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A ranar 25 ga Satumba 2025, 'yan majalisar ƙasa na EDU Erich
Vontobel da Andreas Gafner, tare da sauran

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masu sa hannu, sun gabatar da ƙudurin ga
Majalisar Ƙasa don gyara hukuncin da aka yi kuskure.

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Motsi yana umartar Majalisar Tarayya,
misali, da ta ɗauki wata takamaiman mataki.

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Suna bukata: "An umarci Majalisar Tarayya da ta samar da
sharuɗɗan doka da suka dace don tabbatar da cewa ƙarin kuɗi da

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ragi za su ci gaba da aiki a kan zubar da ciki
inda rayuwar uwa ba ta fuskantar barazana kai

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tsaye daga juna biyu saboda dalilai na jiki."

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Dalili: "A matsayin wani ɓangare na 'Kunshin Kula da Kudin Kula
da Lafiya 2', Majalisar Dokoki ta yanke shawarar a bazarar

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2025 cewa kamfanonin inshorar lafiya dole ne su rufe duk kuɗaɗen
magani na mata masu juna biyu tun daga farkon ɗaukar ciki."

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An kuma faɗaɗa wannan rufin zuwa ga zubar da ciki na doka.

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Saboda abin takaici, kwamitocin da abin ya shafa
ba su yi la'akari da wannan ba, Majalisar ba ta

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tattauna wannan hukunci mai zurfin tasiri a fili ba.

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Wannan yana nufin cewa za a yi zubar da ciki gaba ɗaya
kyauta a Switzerland a karon farko daga shekarar 2027 ta gaba.

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Mutane da yawa suna ɗaukar wannan a matsayin cin mutunci cewa
an yanke wannan shawara, wadda take batun zamantakewa da siyasa

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mai matuƙar sarkakiya, ba tare da muhawarar majalisar dokoki ba.

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Yana ba da ra'ayi cewa an ƙirƙiri 'fakta' ta ƙofar baya.

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Haka kuma, yaudarar gaske ne ɗaukar shawarwari a
matsayin wani ɓangare na fakitin matakan rage kuɗi

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waɗanda za su ƙara nauyin kuɗi ga bangaren gwamnati.

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Ta yin haka, Majalisar Dokoki ta yi watsi da
alhakin siyasa nata kuma ta lalata darajarta.

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A mafi yawan lokuta, zubar da ciki ba wani
buƙataccen magani bane don kare rayuwar mace mai ciki,

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sai dai shawara ce ta gangan, gaba ɗaya ta sirri.

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Gabatar da cikakken bayani kan duk kuɗaɗen
da suka shafi zubar ciki yana da ma'ana.

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Duk da haka, faɗaɗa rufin duk tsinkayar ciki da ba laifi ba
yana ƙara haɗarin cewa tsinkayar ciki – musamman waɗanda aka

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yanke shawara a gajeriyar sanarwa – za su ci gaba da ƙaruwa.

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Bugu da ƙari, sabon ƙa'ida tana tilasta wa duk mutanen da aka
inshora, ba tare da la'akari da ra'ayoyinsu na kashin kai ba,

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su taimaka biyan kuɗin zubar da ciki ta hanyar kuɗin inshorarsu.

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Wannan yana sa mutane da yawa su
fuskanci matsananciyar rikicin ɗabi'a.

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Duk da haka, Kundin Tsarin Mulkin Tarayya ya
tabbatar da 'yancin addini da na tunani

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(Sashe na 15 na Kundin Tsarin Mulkin Tarayya).

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Ana matuƙar takaita wannan ta hanyar tilas na
haɗin gwiwa wajen biyan kuɗin zubar da ciki.

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Majalisar dokoki na da alhakin yanke shawara kan irin
wannan babban sauyi daban kuma a bayyane – da kuma samar

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da haske kan batutuwan kudi a cikin mahallin juna biyu.

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Kungiyar "Marsch fürs Läbe" (Jerin Tafiya don Rayuwa) ma ta
ɗauki mataki kuma ta ƙaddamar da bukatar "Ba a tilasta

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biyan kuɗin zubar da ciki ta hanyar kuɗin inshorar lafiya ba".

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Sassaka daga rubutun: "Cire keɓantawa ga zubar da ciki ba
gaskiya ba ne, na akida ne kuma yana take tunaninmu (...)."

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Yanzu iyalai da suka yi ƙarfi wajen adawa da irin wannan tallafin
kuɗi za su ɗauki sabbin kuɗaɗen Swiss francs miliyan 28.

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Wannan ba doka ce ta
dimokuradiyya ba kuma ba ta bayyane ba (...).

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Za a iya sanya hannu kan roƙon Majalisar Tarayya da
kowa, ba tare da la'akari da shekaru, ƙasa ko wurin zama ba:

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An yi tambaya: Shin Majalisar Tarayya ta ɓoye niyyoyinta da gangan
a cikin wannan cikakken kunshin matakai domin hana muhawara?

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Shin yana so ya ɓoye matakan da aka motsa da
ra'ayi kuma ke haifar da ƙarin kuɗi a cikin doka?

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Tsarin kiwon lafiya na haɗin kai ya kamata ya kare daga kuɗaɗen
magani masu tsanani da ba a zata ba, kuma ya samar da tallafi idan

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aka buƙaci magani na gaggawa da kuma idan matsaloli suka taso.

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Duk da haka, ba za a iya ɗaukar zubar da ciki a
matsayin sabis na kiwon lafiya na yau da kullum ba.

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Kungiyoyin zubar da ciki kamar Planned Parenthood da Pro
Familia sun samo asali ne daga eugenics da tsafta ta jinsi.

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Sau da yawa ba batun nemo mafi kyawun mafita
ga mace mai ciki da jariri da ba a haifa ba

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bane, sai dai batun yin janyewar ciki da yawa.

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Tun a shekarar 1991, mujallar likitanci Ärzteblatt ta nuna
karuwar buƙatar ƙwayoyin jariri da ke cikin mahaifa don

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bincike da dalilai na likitanci, da kuma ayyukan da
suka saba wa ɗabi'a wajen samo su ta hanyar zubar da ciki.

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Shirin "Zubar da Ciki – Wani ɓangare na Shirin Rage Yawan Jama'a"
(www.kla.tv/27094) ya nuna dalla-dalla wa ya sa zubar

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da ciki ya zama abin karɓa a cikin al'umma da
dalilin hakan, da yadda ya zama tsari mai riba a kasuwanci.