Thats too much trouble. In India, there is a new scheme of "ayushman bharat" 500K inr which is quite a lot of money, per family. No co-pay, you show the card in supported hospitals or government hospitals and you are in.

There are "problems" but overall it has had a net benefit with poor people who could not afford medical treatment just get it. If you are having an emergency, they just do whatever is needed and you are golden. I know hundreds of people in my neighbourhood who have had surgeries done on "card" and most could not otherwise afford it.