Indeed. I prefer the Dutch system. Here, if you go to a hospital without a) being sent there in an ambulance via a 112 call or b) being referred by your GP ("hu

Indeed. I prefer the Dutch system. Here, if you go to a hospital without a) being sent there in an ambulance via a 112 call or b) being referred by your GP ("huisart") insurance won't cover anything. It works wonders for keeping idiots from emergency rooms.