the hospital sector appears less effective with the death rate within days of hospital admission for an acute condition heart attack brain haemorrhage stroke being about twice as high as the lowest rates in europe westert et al access to care is facilitated by the comprehensiveness of the basic mandatory health insurance scheme and by the lowest copayments in europe table securing that only few people forgo medical visits for financial reasons westert et al in addition essential care services are available at short distance to almost the entire population while waiting times for almost all treatments are below the agreed acceptable standard known as treek norms nza