Abstract
Healthcare coverage and savings are crucial for ensuring financial stability. Nevertheless, the complexity of health insurance coverage poses significant legal concerns. This paper delves into the principles of health insurance, the hindrances in implementing policies, legal remedies and accessibility issues, with particular attention to India especially the state based or sponsored health insurance scheme. It also addresses the problems of fraud and offers a comparison between different countries with respect to health insurance coverage, outlining areas for improvement by showcasing the appreciable features of the insurance across the globe.
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