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Health Insurance offers coverage to the policy holder for medical expenses in case of a health emergency. A health insurance plan chosen by the insured provides coverage for different expenses including surgical expenses, day-care expenses, and critical illness expenses etc. Health emergencies do not come with a prior notice. As per the increased demand for quality healthcare services and inflation, medical treatment has now become quite expensive, especially in the private hospitals. And without insurance the hospital bills are enough to drain one’s savings and planning. Therefore, a health insurance plan becomes an absolute necessity in current time as it offers coverage to the insured family members and the policyholder against the huge hospitalization expenses in case an accident or illness.