Artful Dodger: I've forgotten to answer to this question.
Not exactly. The general rate for paying back is 75 % for a visit to the Doctor. If you don't want to pay the 25 %, you have to suscribe a private insurance you pay every month. Most of people do that. Anyway, you always pay 1 Euro in a visit, it's an obligation, with insurance or not.
But in reality, it's more complcated : all the medecine aren"t payed back at the same level : some at 20 %, others at 40 %, other at 75 %. And it's the same for the Doctors who are " specialist ", according to the category they belong. It's the reason why people pay a private insurance in order to get 100 %.
And if you decide to go and see a " specialist " and that your " general " Doctor doesn't agree, you won't be payed back at all.
When you go to hospital, it's the same, but if someone has no money for paying, he's sure to get a treatment.