Whenever you encounter an accident, if you have a health insurance then they will take care of your hospital bills. That is the general purpose of insurance. Mainly, insurances are a type of risk management principally comes into use to avoid against the dangers/risk of a client.
Every time we do something like walking, running, exercising, even respiration or almost everything that requires movement, takes energy from our body. Just like a car that needs gasoline to move around, we too require energy to move about and that is called Food energy.