My husband was extremely drunk and cycling home at 3am. Fell off his bike, smacked his face on the road and fell unconscious. Was picked up by an ambulance called by a good Samaritan who found him.

They put him on a drip, ran an MRI scan, found a fracture on his eye socket, told him he had a concussion, found some fibroids in his lungs (unrelated to the accident) etc. Was in the emergency ward for probably 12 hours until he was able to be discharged.

Got follow up scans and appointments looking at the lung, eye and concussion issue over two years until they gave him the all clear.

We paid not a cent for the whole thing. He did get a verbal lashing from me though.

On the flip side, I had to have elective surgery to remove a 17cm cyst because it was really, really uncomfortable. Because it's elective, it's not covered by Medicare. The quote from the hospital came to $22K and we had to pull it out of the home loan.

Location: Australia

Forgot to say that we both have ambulance membership which costs us $70/year. Without it, the ambulance cost would've been around $3.5K.