I'd like to leave this message to all students entering Switzerland.
PLEASE DON'T fall into the trap of Advisor Swiss Insurance (for those who don't know it's an "insurance" company, that call fit the Lamal requirements). Yes, it's cheap. But they are a scam.
They won't refund your medical bills, even if well surpassed the franchise, though will keep charging you their fees.
If you need any medical assistance, you will be on your own, don't take that risk.
In my case, they said they would take three months to refund, then said four, we're now ten months in, and still nothing, yet they refuse to give a date. It's clearly a scam made to take money out of foreigners.