Health Insurance Claims arise due to Sickness/illness/Accidents. It covers Expenses that require hospitalization for Illness/Diseases/Injury. The basis of any health Insurance should be Identification of a disease, Cost of treatment ,which includes room rent, nursing expenses, medical practitioner’s charges, medicines, blood, oxygen, anesthesia, diagnostic and pathological tests, operation theater charges, chemotherapy, dialysis, pacemaker, artificial limits etc, fix amount of ambulance charges to cure from the disease.