I think 200-400 euros once per year (hell it doesn't even need to be that often if you're young) should be acceptable on NL standard of living, here in Croatia

I think 200-400 euros once per year (hell it doesn't even need to be that often if you're young) should be acceptable on NL standard of living, here in Croatia if you get a private life insurance plan (around the same amount/year) they include some yearly tests + general checkup and cover up to 200 EUR tests in partner clinics.