Despite the ambulance bill of 600€, I still wonder if its worth it We're a family, I'm in my 60s, and I have an ALD illness. So last year if I read the RSI statements correctly, without a mutuelle we'd have payed 20 visits to the GP at 7€, about 300€ for a (needless) endoscopy, about £130 for the specialists, and about 40€ for the drugs. Total 600€. Mutuelle bill was 1500€. That leaves 900-1200€ worth of additional unexpected costs to break even. (As it happens I could probably hop to the hospital, it's under 1km away). I'm the same with all insurance, I'll take the biggest excess (franchise) they'll allow me, I know damn well if I make a small claim they'll jack up the renewal cost; so it's never economic to claim except for write-offs and such disasters. I get specs online, which is much cheaper than buying here even after the mutuelle coughs up its bit. Does anybody know how one might easily start to run up bills of over 1000€ without a mutuelle? It sounds silly, and I'd much rather no-one in the family had a dread disease or car crash or nasty turn, but I think my question is what would such events cost? Steve PS I'm a bit uneasy about this, because I really do like the mutuelle/no medical questions aspect, and it feels a bit like cheating, but I think if we were unlucky enough to have someone parked in hospital for many months then don't the RSI start to pick up more of the bills anyway, and couldn't you just sign up for a upmarket mutuelle from now on?