Abstract: Health insurance is a financial mechanism that provides coverage for medical expenses incurred due to illness, injury, or hospitalization. It helps individuals manage healthcare costs by transferring the financial risk to an insurance provider. In India, health insurance is offered by both public and private sector insurance companies with varying features, benefits, and premium structures. Both Primary and Secondary data has been used for the study. Primary data has been collected from structured interview schedule. The sample size for the study is 150. The sampling technique used for the study is convenience sampling method. The findings of the study shows that the results reveal that Coverage and Benefits is the most significant factor influencing policyholders. Keywords: Health Insurance Policies, Policyholders, Opinion, benefits. Title: A Study on Policyholder Opinion towards Health Insurance Policies of Public and Private Sector Insurance Companies in Sivagangai District Author: C.Kasthuri, Dr.D.Andrews Scott, Dr.S.Latha International Journal of Management and Commerce Innovations ISSN 2348-7585 (Online) Vol. 13, Issue 2, October 2025 - March 2026 Page No: 517-524 Research Publish Journals Website: www.researchpublish.com Published Date: 25-February-2026 DOI: https://doi.org/10.5281/zenodo.18768673 Paper Download Link (Source) https://www.researchpublish.com/papers/a-study-on-policyholder-opinion-towards-health-insurance-policies-of-public-and-private-sector-insurance-companies-in-sivagangai-district