Not in SA at least. There’s concession cards that sometimes helps, sometimes even makes it free, but it’s basically random how much a clinic will discount you, if at all. If you’re poor you’re generally expected to languish in the public system for years, assuming you can find treatment at all. A lot of medical stuff is in the private sector now. I see people using afterpay or credit cards for medical stuff. Some clinics offer payment plans, sometimes interest free.