It is a type of insurance against the risk of health conditions in the individual, including the costs of examination, diagnosis and treatment, psychological and physical support and may include coverage of the allowance for his or her permanent interruption of work for a certain period or disability. It is one way to deliver health care to individuals and groups. The philosophy of health insurance is based on the principle of pooling risks, which means collecting the risk of disease affecting society or a particular group, and sharing it equally among individuals by raising funds to treat this combined risk equally, and then distributing it to individuals as they need treatment, thereby reducing the burdens and costs of treating the conditions to which the insured are exposed and ensuring that health care for all those in need is accessed for a small and steady amount of money paid by all insurance-sharing individuals. It is thus a social system based on cooperation and solidarity between individuals to withstand what one alone cannot afford, and insurance companies regulate the benefit of the distribution of risk for a known wage to provide a better sanctuary for health care. This programme is provided by government institutions, private companies, or non-profit entities.