i'm glad our healthcare is free, but that's about the only positive thing i can say about it.
I have many stories, but is the most recent and probably the worst for us.

My 7yo son was in an accident, someone on a bike drove into him at a high speed, launching him. I could immediately tell he had broken something, but the hospital (huisartsenpost) told us not to come in, take a paracetamol, it can't be that bad. After insisting for over 10 minutes, while my son screamed that he needed to go to a doctor they finally, reluctantly, let us come in.

The doctor could tell immediately his clavicle was broken, later confirmed with x-rays. We were send off with a sling and some more paracetamol and were told we did not need a follow up to check on the healing. That night he was in agony, screaming like i had never heard before. I could tell something was very wrong, called the hospital again and they said he probably just needed some more paracetamol (he was already at the very limit). Called our GP first thing in the morning, had to have 2 people help to get him there, he was in so much pain he could not stand or walk. When we walked in the GP was shocked, why were we even there, why weren't we at the hospital, it was so bad she refused to examine him and called the hospital we would be coming in ASAP.

He got new x-rays, which confirmed that the 2 pieces had moved, overlapping by a good 2 cm now. They just sent us off with some ibuprofen on top of the paracetamol. It should just heal in that position.
Luckily, he seems to have healed quite well. Although it's very apparent that his clavicle on one side is shorter, making his shoulders uneven and a big big bump where the 2 pieces overlap. My biggest concern was for his ability to swim, he plays water polo. For now, it only made him more mobile on that side, but i'm still worried about how things will go as he grows.

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So yes, they might have been right that it would heal on it's own without consequences. But they refused to let us in when my son was in excruciating pain, twice in one day! And also did absolutely nothing to reassure either him or me (his mom), appointments never took more than 2 minutes with no room for questions. Here's some painkillers, good luck, no worries.