India is a growing economy with emerging intelligent and talented people who are rendering their services mostly to the west either directly staying there or offline from India, particularly Bangalore. Lot of Bangalore IT companies develop software for American, UK or German insurance companies. But, our own country is deprived of these kind of insurance to all. People who work in IT are covered by their companies. Government employees are covered by some schemes or the other. Few factories are covered by CGHS scheme.