I live in Germany, where public health insurance is compulsory and accidents that happen either while at work or on the way to/from work have to be covered by your employer. Recently I got into an accident while riding my bike with a taxi and a garbage truck as I was headed to my job. I broke my arm, had a concussion and broke some teeth — I never saw a bill. Not from the ER, dentist, orthopedist, or physical therapist. They even tell you at the doctor’s office that if you do see a bill, you need to call them right away so that they can call the insurance office and reprimand them for bothering you.