Adoption and utilization of social insurance programs remain low in India despite high out-of-pocket health costs. While these programs subsidize private tertiary healthcare, a fundamental challenge is that the majority of the households, habitation level road construction data from the PMGSY portal, a population-threshold based road allocation rule, and administrative insurance claim records from Arogyasri, we find that access to a new road increases the likelihood of making an with poor healthcare access, reside in rural regions, and private hospitals are mostly located in urban regions. In this paper, we study the role of public good complementarity in explaining the low utilization. Using the rural road construction program under the Pradhan Mantri Gram Sadak Yojana (PMGSY) program, we estimate the effect of road connectivity on utilization of Arogyasri - India's pioneering public health insurance program, introduced in erstwhile Andhra Pradesh in 2007. Using insurance claim by 6.9 percentage points, from a baseline mean of 18%. At the intensive margin, our results suggest that a village registers approximately 0.86 more health-insurance claims when connected by a new road, once again a remarkable increase considering a baseline mean of 0.91 claims per village per year. These findings are also supported by our Instrumental Variable estimates, using the discontinuity created by the population-thresholds as an instrument.