Health Insurance is a type of insurance that provides financial coverage for medical and healthcare expenses. It helps individuals and families manage the cost of hospitalization, medical treatments, surgeries, doctor consultations, medicines, and preventive healthcare.

Under a health insurance policy, the policyholder pays a regular premium to the insurance company. In return, the insurer covers medical expenses incurred due to illness, injury, or medical emergencies, either through cashless treatment at network hospitals or by reimbursing the expenses, as per the policy terms and conditions.

Health insurance reduces the financial burden during medical emergencies and ensures access to quality healthcare. It also encourages timely medical treatment, helping individuals maintain better health and financial stability.