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Health insurance plays a crucial role in protecting individuals and societies from the financial risks associated with illness and medical care. Healthcare expenses are often unpredictable and can become a major economic burden, especially during serious diseases, accidents, or long-term treatments. In the context of health economics, health insurance is considered an important mechanism for risk pooling, resource allocation, and ensuring equitable access to healthcare services. It reduces the direct financial burden on individuals and promotes timely utilization of healthcare facilities. The need for health insurance arises primarily due to the rising cost of medical services. Advances in medical technology, increasing demand for quality healthcare, and the growing prevalence of chronic diseases have significantly increased healthcare expenditure. Without insurance coverage, __________ ___ ____ _______ __________ ______.
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