The German healthcare insurance is basically run by the state. The healthcare is slow and far from perfect overall. But I didn’t hear as many people complaining. I never paid for a hospital visit or a surgery. My only expenses were 10 euro/day for hospital stay that included free meals and 2-patient room with our own bathroom.

In Germany it’s two class medicine. 10% have private insurance and 90% are in the statuary health insurance. Those in private insurance have to pay most things on their own and need to try getting it back from insurance company.