The digital transformation has led the whole world with a storm of efficiency. The impact of technology on the business world or the personal lives of consumers is very compelling. In the Initial stages of technological developments, we have already witnessed advancements in sectors like automobiles, data sciences, and research. However, today, with medical diagnostics, treatments, cures, and insurance, everything is digitized. This digitization in the healthcare sector will benefit a large number of people. Software designed for electronic health records will enable the data-keeping for treatments, test reports, and health insurance records, all in one place. Health insurance companies are dazzled by global digitization. The insurers are preparing coherent digital technologies to compete with the advancing battalion of disruptors to develop an integrated health framework for clients. With the surging pace of healthcare facilities and digitization, the critical question is how health insurers can make healthcare more affordable, accessible, and enhanced experience in the future.