Health insurance involves the insurance regarding the risk of medical or health care issues. It protects you from high cost of medical care. It is basically the assurance of insurance company to provide health care facilities in return to price paid to insurance company. It covers all the possible activities regarding the health of the human beings.

Two main types of health insurance exists namely short term health insurance and long term health insurance. Short term includes unpredicted illness that needs to be cured. And on the contrary long term illness refers to the situations where patients are not capable to do daily tasks, for example patients suffering from paralysis.

It is said to be a contract between an insurance company and a person who is going to pay monthly or annually in return to medical facilities indicated in policy. Health insurance is also known as health plan. Fixed numbers of services are provided in health plan. Not all the possible injuries and medications are mentioned in the policies but provide certain coverage.