Honestly depends.

If it’s life or death urgent, an ambulance arrives, takes you away and with any luck, fix you right up. Visitors will likely have to pay to park at the hospital, and that will be your biggest expense. When my dad had a cardiac arrest, it was during covid, so the parking was free. The biggest expense was cleaning his blood off the carpets and putting their cat in the cattery for a week.

If it’s something non-urgent, and the cause isn’t immediately found by a doctor, then you might go on a waiting list and be seen in a few months maybe. And even then it might not get sorted. It’s not like House.

The most annoying bit is the 8am phone roulette to try and get an appointment.

We go to see a private doctor.

Here in Costa Rica you have to wait like 5 hours to get attended on a public hospital.

For the appointment you have to pay like $50 plus medications

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Brazil

An USian journalist recently described his health care treatment in Brazil: https://www.washingtonpost.com/world/2025/06/29/brazil-health-care-sus-hospitals/

I believe this is a good description of the public health care here. I disagree with his statement on workers’ strike. He didn’t mention that Bolsonaro and Temer (last 2 presidents) reduced spending in public health care which probably impacted the hospital this journalist got taken care.

I was on vacation in Portugal and twisted my ankle badly. It was in remote area, so hospital was not the best. But experience was ok. It was in a town with around 25k people. 2 hours of waiting. x-ray and doctor visit costed me 55 euros.

In my home country I pay 20 euros per month for private health insurance. This includes basic dental insurance. I guess, most expensive procedure I had is MRI of brain, but it was also fully covered so I’m not sure what was the price. There is free healthcare but I only had to resort to it once

Germany.

Well, the health system is great, as long as you don’t get sick. Or need life-saving emergency care immediately.

But not for many things in between.

Example ADHD: The GP can write a referral to get diagnosed, for free, but no psychiatrist or psychological therapist (the only ones allowed to do that) will take you. So best bet is to pay out of pocket in a practice that does it over video and is recognised in Germany. Can be done under 1k EUR that way, at least (~ 2k EUR with a private, out-of-network therapist). Recurring prescription and private doctor is about EUR 150 per month; a therapy session costs EUR 200. It is absolutely realistic to get the prescriptions and meds covered by a doctor in the insurance network, though. Therapy through insurance is also a possibility if it’s not urgent and you don’t ACTUALLY have ADHD or depression so you can do many phone calls, like 6 - 12 months, and you don’t care who treats you.

Glasses are also not covered, e. g. workplace glasses > EUR 500 out of pocket. But, randomly, a write-off. Treatment by a homeopathic practitioner - covered, just for the lulz.

But yes, about to die within 48 hours? As long as you can convince them that this is the case (got to self-diagnose and be a persistent ass if it’s not obvious), you’ll get help, it might be at a very decent level even compared to many other 1st world countries, and it’ll be completely covered by insurance.

Also, the monthly premium is EUR 1100 (includes nursing care insurance; there isn’t much nursing happening either way though). Employer pays half, freelancers pay full. It’s not legal to quit and be “uninsured”. Also, you can have it lowered if you can prove that you make under 66k per year (to 19 % of income).

Oh, and only the insurance premium is a tax write-off. What you have to pay out of pocket (talking about treatment that your GP deemed essential, not dental bleeching) is paid for by your net income.

Some other random things also work out within a month and are covered, such as a quick eye checkup, dental checkup / very basic dental filling (pay out of pocket for most filling materials, but not the time), anything a GP or family doctor can do in 10 minutes.

I usually book an appointment. Appear on the proper day. Get my exams done, leave, no money spent. If it’s like a screening for something that can be done in a public health clinic, I’ll go, spend about 30 mins to one hour waiting, talk to the doc, get whatever prescriptions they give me, get discharged and go home, no money spent.

The Netherlands

I call my doctor, make an appointment the same day, go there, tell my story, get referred to a specialist or get meds or whatever, all covered by insurance.

Specialist: sometimes appointment within a week or 2, sometimes it takes a month. It’s covered by insurance, but there’s an own risk budget each year of 380 euros. So all costs up to that budget are paid by yourself, the rest is covered. But since I’m getting mental health care, I pay 380 each januari and the rest for the entire year is all covered. This year I’ve had a broken collarbone repaired with a metal plate with all the photos before and after, I had 2 bladder infections which needed antibiotics and I had food poisoning on holiday and intestand infection, which was all covered at home and abroad.

Insurance

I pay 180 a month. It includes dental and some extras like 9 physical therapist appointments.

US expat in Colombia

For the general population, if you’re sick you go to urgent care and maybe wait for several hours. If you need to see a specialist, those appointments can take a couple of weeks to a couple of months, depending on the type of specialty. Either way, the cost is about $3 (all prices are rough equivalents in USD) per visit to see a doctor.

My employer signed me up for private insurance that gives me “concierge service,” so I have access to a different network of doctors with shorter wait times. If I’m sick, I can get a same-day house call. If I need a specialist, I can usually get an appointment in a two-week time frame. I pay about $50 per month for that (in addition to my normal taxes, which are used to fund the public system). My copay per visit, regardless of the type of doctor or procedure (exams, MRIs, etc.) is about $10.

One time, I paid out of pocket for an ultrasound because I didn’t want to wait for the insurance company to approve it and go back for a separate appointment. It cost me about $25.

In general, I actively try not to go to the doctor. I would need to be very sick to do so. It is expensive – even though I have insurance.

Poland:

If I’m sick or it’s the 1st step in getting something diagnosed: I call the (public) clinic to book an appointment, get a date within like 3 days max. I usually leave with a prescription and paid doctor’s leave for work. The visit costs nothing. If it’s urgent you can walk in without an appointment or call the ambulance/go to the ER in your local hospital. This is free.

Sometimes the doctor gives you a medical referral to a specialist or for a certain test. This can be realized in the public health system, or at a private clinic.

Wait times vary a lot - some things like a blood test are very quick, but some specialists in the public system have very long wait times. Like, 6 months to a year. Some surgeries in the public system can take even longer. The public system is free, or has a small symbolic fee.

The private system is much faster for certain specialists - dentists, psychologists, dermatologists, injury rehabilitation, ect. but it also can’t do everything. In my experience, almost all serious and niche surgeries are done in the public system for example.

Overall it’s a decent experience, but the system is severely underfunded. This isn’t really a case of mismanagement imo, it’s genuinely just a lack of money in the system. Some surgeries can get delayed because money allocated for them ran out for the year.

Netherlands. I can call to make an appointment, or do it online. Then i walk/bike there, its in the neighbourhood. We have about 10 minutes for an appointment. The doctor either refers me to a specialist, prescribes drugs (most doctors have a pharmacy attached), or does small procedures. For jabs, check ups, stool samples, that type of stuff, the assistent takes care of it most of the time. You can leave without paying.

We pay a monthly insurance that pays for everything, basically. im over simplifying, its not that straightforward, but its what it boils down to.

Netherlands here, I call, have an appointment the same or next day, insurance covers all costs.

If they proscribe meds, I pay a part up until a maximum of 385 euros per year (called “own risk”) , anything above that is covered as well.

I’m also covered for physiotherapy (18 sessions without “own risk”), psychological therapy, dentistry and a variety of alternative medicine!

I pay a pretty hefty premium, like 170 euros a month, but that’s because I have the lowest “own risk” and I blow through that in the first month or 3 with my rickety ass body 😂

Definitely beats footing the bill completely, I’ve seen what dentistry costs 😱

Ireland here. I have been relatively lucky with my health since I’ve been here (last 10 years). The GP I go to gives a small discount because of where i work. I pay 50 euros a pop to see the doc (usually 60 I think) but the last two times I needed to see the doc it was a same day appointment. I paid for insurance the first year I was here, tried to use it when I saw a GP and they laughed in my face. Also frequently had my daughter seen (for free), they seem to keep increasing the age for which kids are seen for free, now up to age 7?

Australia, Canberra

Zero cost, 10 to 20 minute wait, no wait if my appointment is early in the day, 20 minutes if it’s in the afternoon