>That being said most of India has access to govt. run hospitals which offer near free services.

Nothing could be farther from the truth. I would recommend the following study, published in The Lancet

>In India, despite improvements in access to health care, inequalities are related to socioeconomic status, geography, and gender, and are compounded by high out-of-pocket expenditures, with more than three-quarters of the increasing financial burden of health care being met by households. Health-care expenditures exacerbate poverty, with about 39 million additional people falling into poverty every year as a result of such expenditures.

See: https://www.thelancet.com/journals/lancet/article/PIIS0140-6...