In my case, it was 2 weeks before the police caught the guy, and his insurance agreed to pay, who could have predicted he'd have been tracked down or had any insurance at all, let alone 1st class?
By then the emergency treatment was all finished, and I was lying on the sofa at home, looking like 'the mummy'.
Thought I'd be paying my own bills.
Also the accident was on a Friday, my government minimum insurance didn't agree to pay until the Monday, so I'd already handed over 6k on Sunday (in a private hospital that would have been more like 60k), then the hospital handed it back Monday.
Not to mention, my local government hospital was only built last year, packed with the most modern equipment. I didn't even know portable x-ray machines existed until they wheeled one over to my bed in the ward and started snapping away. They didn't want to move me in case my collapsed lung and broken ribs started bleeding internally. The doctor had already told my wife right at admittance that I might not survive. I'm guessing the operating theatres are just as modern as anywhere in the world.