Second wave of Covid-19 lead to huge number of hospitalization of people which put lot of strain on the finance of them. Having health insurance can relieve them from financial strain and will avoid the need for dipping their saving to meet hospital cost. In this research paper we are attempted to get the experience and expectation of policyholders from their health insurance during their critical times. For this purpose, we have conducted the interviews of 25 health insurance claimant in the major cities of NCR regions which include some cities from Uttar Pradesh, Delhi, Haryana and Rajasthan. The study concluded that during the pandemic, policyholder faced several problems in getting their claim settled which is a lesson for all of us on in understanding that when any type of health crisis occur how the regulator, insurer and policyholders should be prepared.