Health insurance is same as medical insurance. This insurance motive is to give security and provide treatment to the insured person. The purpose of health insurance is to provide protection against loss of income and to cover the expenses of hospitalization and some of its associated costs. Accident insurance covers sudden and unexpected injuries, while sickness insurance applies to illness or disease. There are policies that cover accidents only, while normal health insurance covers accidents as well as illness.

Health insurance policies frequently carry a deductible clause. This means that the owner of the insurance policy or policyholder is required to pay the first part of his or her expenses, usually a nominal amount, before the insurer makes any payments. Deductibles are included in automobile and property insurance as well, to relieve the insurer from having to pay frequent, small claims. 

Health insurance policies are issued by a variety of companies. Some are independent profit-making insurers; others are fraternal nonprofit societies. One of the best-known plans in the United States was developed by the Blue Cross–Blue Shield companies. These are nonprofit associations, usually sponsored by physicians through their medical societies. Thus it is insurance which is use to give the complete protection over uncertain accident and from any obstacle. In this insurance, insured person is getting advantage of having good care from the insurance company