I live in France but spend a lot of time in Austria. Ten years ago I was side-swiped by a car while rollerblading and my right arm was severely injured -- I couldn't use it for a year. The treatment involved an ambulance, emergency care followed by six hours of surgery, a two-week hospital stay in Austria, check ups by my French orthopedic surgeon upon my return to France, lots and lots of pain killers AND ten years of weekly physical therapy. My co-pay was less than €100 all together.