FWIW, I'm relatively well off and have medical insurance, but the cost is absolutely negligible compared to what I hear is prevalent in the US - about $10 / month.
It's probably just my bad luck, but I've had three surgeries in the last 10 years - an appendectomy, an ACL replacement, and a septoplasty. Each one of these was done in highly regarded (and expensive) hospitals in Delhi - Apollo, Max, and Fortis. Each time I walked out of the hospital without paying a single dime. I just had to show my insurance card, and the entire stay was cashless. In fact, after my last surgery I realised that I could have even been reimbursed for my medication post surgery if I'd kept the receipts (which I unfortunately didn't).
Anyhow, more power to Narayana.