No illness or accident comes with a fair warning. Health insurance companies come to financially aid the insured during illness or injury in all hospitalization and Outpatient Department (OPD) cases. A health insurance cover is intended to pay for the treatment of the illness or accident and help recover surgical and medical expenses incurred by the policyholder or others insured as part of the health insurance plan. The policyholder can claim this benefit either through a cashless facility or through the process of reimbursement.