It is expected that more Indians, both in urban as well as rural areas will utilize healthcare insurance policies to compensate expense on medical treatments which proves a provision for providing financial protection. The merit and incentives of health insurance has to be extended to the excluded population also. Since, investment in India in the health sector is increasing both in the government sector as well as in the private sector, it is important that health insurance coverage should be popularized for the entire population of the country. India has a large population in semi urban and rural areas who still uncovered by any health insurance scheme primarily due to their low income and unawareness about health insurance benefits. It is important to educate the people in such areas to get them insured with healthcare plans.