Also in Switzerland: an ambulance was called for me in the middle of Zurich, they arrived after driving only a few kilometers, performed an EKG, and didn’t transport me anywhere. I was billed over $700 for that, which I had to pay out-of-pocket as the theoretical 50% insurance coverage was below my deductible.

Most likely it didn’t have to pay any money because you either payed your full deductible for the year already, or most likely it was payed by the accident insurance and not the regular health insurance