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[–] 1 point 3 years ago (3 children)

Not entirely in the Netherlands. There you have a yearly mandatory "eigen risico" of €385 (or more if you want a discount on health insurance). The first costs you make, you have to pay out of pocket. Only after you've exceeded the €385 in a year will the insurance start covering the costs.

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  • [–] 2 points 3 years ago (2 children)

    We call that a "deductible". Mine is $1200. So it's more than yours, but it's not quite the same as having to pay for everything out of pocket.

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  • [–] 2 points 3 years ago (1 child)

    But it's worth noting that (at least here in the US), once you've paid the $1200, you often still have to pay 10 to 20% of costs (called a co-pay). A single serious incident (emergency hospitalization, for example) could easily still cost hundreds or even thousands.

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