A month after she noticed what looked like an insect bite on her hand, Chanda Verma, 45, mysteriously died, after spending 22 days in the ICU. Before the Verma family could even process what had happened, the hospital handed them a bill of Rs 3 lakh, and refused to release the body until they paid up.

Late August, Chanda noticed a small sore on her hand. As a single mother supporting two kids on a modest income as a vegetable vendor, she brushed it off as an insect bite. But, in a few days, her hand swelled up and the pain became unbearable, and she was admitted to Sai hospital in Chembur, where she underwent surgery.