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The Netherlands.
Had gall stones fucking with me. Had 3 attacks happen in the middle of the night over a 8 month period which resulted in me showing up to the ER due to sweating bullets of pain. They got worried one day due to high infection counters in the blood, but it actually was fine by the time they checked again.
With gall stones, you need to have "enough attacks" before they refer they let you rip the fucker out. So eventually I got referred. 4 week waiting time from consult to operation (just coming out of corona time late 2021, not sure if that matters). Had a secondary infection around my navel which resulted in 6 weeks of manual flushing the wound and had to reopen it due to external skin healing too quick.
All of this cost €385, which was my "own risk" which resets every calendar year. All vists (even middle of the night), surgery, post care (even infection stuff) included. I never once thought about the cost, and the bill comes 6-9 months later.
(Note, you do pay for medical insurance here, however it is required by law to have it. People get fines if they dont have it. Subsidies/free for low incomes. Its essentially tax at the end etc. All "base insurance" from all providers must cover 100% GP costs, and a bunch of other things).