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Belgium: it's at least fast and cheap. a lot of people think it's 'great', i think there's still work.
I live in Brussels and have had 2 surgeries in the past 4 years. Both times my insurance paid the full cost of the surgeries even though they normally only cover 80%, and has recouped the 20% I owed them by only covering 75% of my next few coverable cases. This also applies regardless if I go to a private clinic. I did both times. P4P GOAT insurance system.i live in the Flemish region of Belgium. not gonna be too specific because of paranoia. have you travelled here or did you live here?
i had two dentist appointments this week. i have to pay the fee upfront, then bring in a small paper to my insurance provider and i have 80% or something of it back next week.
i've had multiple surgeries in my right leg after an accident, and it basically cost me nothing and i only had to wait a short while.
if you have something very urgent, you get emergency care ASAP without them asking for your credit card information or whatever and again, it doesn't cost you shit.
the problem indeed is clogged up hospitals. small country with overpopulation.