The only extra cost one might have is "eigen risico" (self risk). Meaning that the first time something happens in a year you need to pay the first x euro. But

The only extra cost one might have is "eigen risico" (self risk). Meaning that the first time something happens in a year you need to pay the first x euro. But I don't think that applies to everything. I have never paid that (but I rarely need medical help). As a more practical example: I travel to Asia a lot and as such I wanted to get some shots for tropical viruses we don't have in our country (yellow fever, rabies, etc - note that we do think vaccinations are good). I got around 10 shots in total, I think the bill was ~1200 euro (~$1500). I forwarded the bill to my insurance company and they paid it back 100% no questions asked (note that the shots I got were not mandatory and I wasn't sick, just wanted to prepare for traveling).