The point about no deductibles isn't entirely true: if you are publicly insured, you have to pay 10€ for every day you spend in the hospital. There is a hard ca

The point about no deductibles isn't entirely true: if you are publicly insured, you have to pay 10€ for every day you spend in the hospital. There is a hard cap at 280€ per year, after that the insurance pays the 10€ per day. Also you don't have to pay it if you are underage, are on state-aid, or for a few other, rare reasons.