In the case of vehicle accidents, third-party claims are filed to cover damages to another party, such as injury or property damage. However, this process can take a long time due to the need for filing an FIR, conducting investigations, and going through court hearings. Settlements often take months or even years. Meanwhile, an injured person requires immediate medical treatment. Relying on the third-party claim alone can delay access to healthcare, making a health insurance policy essential. H