His Excellency Aethien wrote:
But basically there's a standard €170/year at your own risk, meaning that's what you have to pay for yourself before the insurance starts paying out.
That's pretty much what a deductible is. It's your obligation to the bill(s), usually on an annual basis. If you have a $1,000 deductible and break your leg, you need to pay the first $1,000 and then your insurance picks up the remainder.
Sort of related is the co-pay which is your obligation for things such as doctor's visits. So you might visit the doctor and still have to shell out your $25 co-pay as opposed to having to pay $1,000 worth of general doctor's bills before insurance will kick in.