Well I have a few doctors in my family so I know the intricacies. There are several hospitals/clinics in India which still provide affordable care. No one in my family has a medical insurance. We have had a few health emergencies,in metros too, but the cost was always managed. We only have Life Insurances.It doesnt make sense to pay someone else a hefty insurance premium every year, which may or may not pay back, when the best insurance you can have is a family who shares. You get sick, I pay and vice-versa. I think instead of an inflated health insurance plan we can have a friends or family plan where you get together put some money and use it whenever a situation arises. Hey! I have a startup idea.