The concept of Health Insurance needs to be independently considered by each individual. Just do not go with the advertising campaigns and popular opinion. Let me show the other option.
Health Insurance is a western concept. It is well suited there and almost everyone has it. But, not all of us need it in India. Reasons:
1) We have large families. It is not uncommon to have 6 family members. If we discipline ourselves to deposit 15000 per head per year into FD account, then it comes to around one lakh Rs. every year. I do not suppose our medical expense, what a policy needs to cover, is more than that.
2) If a person has mediclaim, the hospitals charge as much as 25% more. Plus, we tend to take all first class. If it is our own money we will be more judicious.
3) It is not as expensive in India as it is abroad. Doctors, nurses or human involvement in general, makes things 10 times more expensive in US and Europe. So they better have insurance.
Just my point of view. I have decided this for myself, as my insurance company did not give me settlement for last two surgeries in my family.