Here in NL, the health care is what I would call semi-private (probably technically wrong, but whatever). You’re obliged to have health care insurance, the cost of which varies depending on the company you go with and what extras (dental care etc.) you choose. Normal range is currently around €90-110 per month.
No company can deny you health care coverage, nor do dumbass things like “pre-existing conditions” matter. However. You still have the “self risico”, i.e. self risk, that you’ll have to pay.* That is currently € 380 per year. So anything up until that, you might still have to pay yourself. If you’re unlucky, your yearly health care costs will then be around € 1580 per year (medications not included!). If you’re lucky enough not to get sick, your yearly costs are still around € 1200.
I just got the bill for my hand surgery from last year. Here’s a picture showing how severe it was:
3 stitches, completely conscious, was out of there within half an hour.
Total bill: € 746.
I have to pay: € 25 (WHY?! I don’t get why most of it is covered but not all. I haven’t reached my self risk limit for this year, so why is it only € 25?)
All in all, not so bad. But decidedly more than what my mom – who uses much more health care – paid last year.
Also, I sent the above picture to my brother as I took off the bandage, and he replied that it looked like “kassler”. Here’s a picture of that for your reference:
*some things fall outside of this. Visits to your house doctor don’t count, for example.