Generally, the good ones are paid. For hospitalization one can take insurance where premium is paid annually.

There are government hospitals and they are average. They are better avoided by people who can afford private clinics.

But for epidemic causing diseases the government is very active and proactive when they understand the protocol. If you are in quarantine, they will give your free medicines for you and the people you contacted, free and hygienic food, will sanitize your house and neighborhoods if needed. If you hospitalized yourself to a private hospital, the cost is yours. But otherwise the government will take care of hospitalization. Their quarantine beds are nothing less than world-class. However, things can be drastically different and painful for your care taker once out of quarantine. ICUs (non-quarantine) in government hospitals have a higher rate of passing on a secondary infection.

Even at the costly private hospitals, cost of healthcare is quite low in India compared to the western countries and quality is similar. But they are not adequate for the pandemic of Covid19 scale