That is part of the issue. If you are an EU national it all gets worked out but I still think they might have to pay something.
Non-EU nationals if there is no state to state agreement should get charged either themselves or to the travel insurance, however hospitals usually don't bother or so it seems. Too much hassle.
Anyway I too would love to know what an average annual health insurance premium is for A) An individual and B) A family.
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