I was always told that here (Austria) if you call the ambulance but are not in actual danger you have to pay for it, and that it's very expensive. But you can call an emergency physician if you're not sure if somethings wrong which is free in any case afaik. They will examine you and make a determination if you need to go the hospital. My mother once called them because she was concentrating so hard on her heartbeat while trying to sleep that she started to panic because she thought it wasn't beating normally. The emergency physician examined her and deemed everything normal, made her calm down, and then just left. I was told if she had called the ambulance it would have cost a lot.