I do this. Once my insurance company got upset that my procedure was so expensive and rang the hospital. The hospital immediately tripled the price. The insurance became even more upset and asked me to fix it. Still much cheaper than the equivalent procedure in the USA.
It's not illegal here, but in any case nobody asks, I just tell them I'm paying cash.
It's not illegal here, but in any case nobody asks, I just tell them I'm paying cash.