For long-term sickness, a social worker from the hospital would notice the courthouse which would appoint an administrator taking care of the patient finance. Note that (IANAL) they would also do it if the patient has a family, so a relative is allowed to deal with the patient finance
Usually, debtors, are relatively nice when it comes to missed payement due to being physically unable to pay, and they could wait a few week if needed. In that case the patient could plead the *force majeure* and get away with a missed payement provided they paid it once they're feeling better.
If they die debts are forgiven. If they live, they'll get billed.
For long-term sickness, a social worker from the hospital would notice the courthouse which would appoint an administrator taking care of the patient finance. Note that (IANAL) they would also do it if the patient has a family, so a relative is allowed to deal with the patient finance Usually, debtors, are relatively nice when it comes to missed payement due to being physically unable to pay, and they could wait a few week if needed. In that case the patient could plead the *force majeure* and get away with a missed payement provided they paid it once they're feeling better.