@BogstandardBelle I am in Switzerland and the healthcare costs are phenomenal.
I paid £400 for my 8 year olds glasses (thick lenses), and get £120 reimbursed annually.
Don't even think about dentists bills...
We have our monthly insurances, (approx 20% of our monthly income as we are a family of 6) and then the excess, and then we can claim a percentage of the remaining costs back. You can buy additional insurance against the remaining costs.
And of course, we are billed for missed appointments and any time (in 5 min slots) where we go over our schedule.
We receive bills and have 30 days to pay them, which in theory will allow us to claim from our insurance and have the money in our accounts as the bills need to be paid.
That said, we do receive top notch care, can get appointments and choose our own medical professionals. One of our DC has additional needs and receives many therapies and treatments which is picked up by the states invalidity insurances, so we will never see these bills before his 20th birthday.
But it definitely does come at a financial cost and requires a hefty cushion. I know people who have had to borrow from friends and family to receive life saving treatment.
The NHS is in dire need of an