i live in the US and work in the health sector.as per US law, no person can be turned away from receiving emergency care irrespective of his/her ability to pay.though the stay may be billed,it does not mean that one HAS to pay up especially if disabled or unemployed.and if u r a visitor,it makes sense to take travel insurance,as no tax payer wud like to pay up for someone who has not given his share of taxes.and it dos'nt cost much to get one.one has to learn to always live within ones budget. there r low income families that like to get a luxury car and end up allocating 25-30% of the income on it. why not use that for getting a health insurance instead.whereas in india, someone may take u to a hospital but the surgeon may not operate until payed under the table.(esp in govt hosp). in the private hosp-forget it!