The policy holder pays the pre-specified amount at regular intervals to the insurance company to purchase health coverage. The insurance company gives an option top pay the premiums through annual, semi annual, quarterly and monthly payment modes or even single premium payment option.

The general statistics report shows that the health insurance cost is rising faster in the Indian business sector while the extent of the health cover limit is being narrowed. The health insurance premium cost is almost double in the decade and this is huge growth that

Insurance companies justifies the reason in rising their premiums. They point out to the rising cost of drugs, medical devices, increasing charges by hospitals, clinics and doctors for their services.

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