According to experts, many people die due to lack of minor surgeries (Bell weather surgery) and globally too in 2010, an estimated 16.9 million people died (32% of all deaths worldwide) due to lack of access to surgery and anaesthesia. The poor people cannot afford for cost incurred for surgery, which suffer from fatal diseases and undergo unforeseen medical emergencies every day. Families of poor are often left drained out their all savings and health insurance often does not cover heart ailments, cochlear implants and kidney diseases. Moreover, even for the conditions that they do cover, several insurers have set a ceiling on the expenses related to patient bed charges, cost of surgery, doctor’s fees, and this may not cover the entire cost of the treatment. For most families, a medical emergency can drain their financial, mental and physical strengths, leaving them helpless and despondent. Often, families push themselves into debt by borrowing money.