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Health insurance is like any other forms of insurance that is by means of which people collectively stake their risk, in this case the risk of incurring medical expenses. The collective is publicly owned or else is organized on a non-profit basis for the members. It is sometimes used more broadly to include insurance covering disability or long-term nursing or custodial care needs. Similar benefits paying for medical expenses may also be provided through social welfare programs.

In today's rapid running modern lifestyle, we often ignore our health but it is as necessary as food. With medical facilities advancing, but the cost of availing them are also rocketing. Therefore a Medical insurance is necessary for future as well as for belongings. A medical insurance policy is the best option to deal with medical exigencies in future. The main requirement to avail the best medical facilities and attention, apart from well-equipped hospitals and good doctors is hard-core finance. It has been observed that due to an abrupt health problem or complication developed by a person, or an unfortunate accident may require immediate medical attention and sometimes treatment subsequently. In all these unforeseen cases immediate arrangement of finances is required to ensure and facilitate medical aid. A medical insurance policy makes sure that the financial help is available to the insured person at the time of need.

A guided approach towards Medical Insurance is of utmost importance and hence action research strategy should be considered. As it not only provides various dimensions of the subject but also helps to choose after the deliberated thought process, research based on the available data and participatory discussion framework.