Everyone uses , or ; as delimiters and then uses either . or , for decimals, depending on the source.
It shouldnt be so hard to auto-detect these different formats, but somehow in 2025, Excel still cannot do it.
If they don't then what you could do is create a simple script that just adds that line, and Excel will open the files without you having to hassle with making sure Excel interprets them correctly. Of course that's a bit more challenging if they use different separators, but you might be able to find an easy adaptation for your usecase like making a decision about which delimiter to declare based on the filename. Or you could try to analyze the header row to figure out which delimiter to use based on that.
For whatever reason, pipe seems to be support common in health care data.