It's similar in Belgium for my parents.
I live in Mexico. I don't depend on social security for my health, because often you could die before you get the appointments, studies or meds you need. So a lot of my preventive healthcare, I manage out of pocket, and accidents and serious illnesses, I manage with insurance, which is a hassle for many reasons, like they decide what of your hospital bill they will cover, what falls under co-pay an what not, often meds that you need after hospital stay aren't covered, you have to wait for their approval for labs and other studies with providers of their choice most of the time....
No system is perfect, I'm afraid.