Haven't heard of anyone who had problems with having to wait for any sort of treatment so far, but maybe my friends are all just too healthy. Here it's a mandatory insurance scheme where insurance is then extremely cheap with a small co-payment and health care prices are regulated. I know someone who walked into a hospital feeling unwell and left two weeks later with a quadruple bypass and paid a total of 500 euros.

What you pay extra for is comfort, the basic insurance is in a shared room for example, you can pay extra insurance or out of pocket for a private one, but then the prices are not regulated and sometimes doctors will charge ten times as much.