Health insurance is a contract between Individual or group (insured) and insurance company (insurer). In order to cover medical expenses incurred due to illness or injury due to an accident. In other words it can be said that purchasing health care health care coverage in advance by paying a fee called „premium‟. Health is a human right, its affordability and accessibility has to be insured. Health insurance can also be related with the economy of the country. If people are healthy, economy is healthy which means healthy people can contribute properly in the economic development of the country. Even social development can be ensured with sound health insurance structure of the country. Health insurance being a personal insurance it covers expenses incurred on medical treatment by the insured. Treatment amount can be reimbursed by paying a lump sum amount or providing cashless treatment at network hospitals