I don't usually fly indigent people myself. Most have medical coverage
themselves.
However, I think you are on to something. I also think it may be too
risky to fly in a single engine. Just double the price and get a twin.
But a light twin isn't really that safe, just double the price and get
a Barron.
But a Barron isn't that safe, just double the price and get a King Air.
But a King Air isn't that safe, just double the price and get a
Citation.
But a Citation isn't that safe, just double the price and get an old
707.
But a 707 isn't that safe, just double the price and get an old 737.\
But a old 737 isn't that safe, just double the price and get a newer
737.
But flying yourself isn't that safe, just double, double.. the price
and higher an off duty airline crew to fly for you.

The point is that you have to do a proper ROI. At some point in life,
you will have to take a risk. Where you place your risk and how much
depends on what you want to do. You could sit in your living room
curled up in a ball hoping no one ever sues you. Or you can just accept
it as a way of life, buy the insurance that is reasonable and live your
life as best you can. You may or may not have enough to cover someones
hospital bills but that comes after their personal health insurance.
Its just like a car accident, the insurance settlement is just used to
reimb your medical insurance company.

-Robert, CFI, MBA