Disagree. The NHS in the UK is free. And they don't stop till you're either better or dead. The US health system is messy, but that's no example to go by.

In India, they're not just nitpicking your insurance policy, but doing underhand things like pumping warm water into clinically dead victims to give their families false hope, so they keep paying the ICU fees (anecdote from a friend - he was eventually alerted to this hogwash by an upstanding admin clerk in the hospital).