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So stuff works out pretty well in my European country. Personally I never got anything broken, my friend had their hand re-broken because they never realized it was broken in the first place, only noticed that the pain lasted many months. They did not pay a single thing, but had to move to go through all the surgeries (to their parents). That kinda broke them.
Personally, I had a minor health surgery, that kinda left an ugly scar, which I feel like could have been avoided with better surgeon.
Also we have health insurance, and there it gets tricky. Like state owns one, there are more private ones, as some groups try to privatize the healthcare, and then you have to pay the insurance, you can choose which insurance it is, and in some specific cases, some insurers can order different regimes of treatment. Which may not be ideal in every case.