Basically only those who can afford it or are covered at work have medical insurance. Because when we have a health issue, we can walk into a doctor's office and get treatment. And there is no standard consulting fees that doctors follow. There are excellent doctors in our area who charge anything from Rs.200 per consult to Rs.1500. So it is up to us where we want to go. Also, prescription medicines can often be bought over the counter if we know the pharmacy well. :-) Ask me the questions and I will answer.