[expertentipp]

The cult of and preference for private and premium health care services in Central/Eastern Europe are going to backslash terribly in couple of decades. Everything works well as long as the only contributors and users of it are young, healthy, employed people. Then those private health providers and insurers will simply disappear or bankrupt, and people will end up with disintegrated public healthcare if only they will be eligible for it at all.

[restalis]

The current state of things is not perfect, and the private healthcare probably has indeed the inherent problem you're describing, but it is also maybe the only thing that keeps the bulk of our medical doctors from emigrating to richer parts of Europe.