Awareness and Willingness to Subscribe for Health Insurance: A Study With Reference to Khordha District of Odisha (original) (raw)
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Awareness and Willingness to Pay for Health Insurance: A Study of Darjeeling District
The present study is an effort to find out the response of the people of Darjeeling in the area of health insurance. As firstly, this study examines the respondents who are aware or not aware about health insurance as well as various sources of awareness; secondly, those who are aware have subscribed for it or not; thirdly, those who have not subscribed what are the reasons behind the same; and lastly are they willing to join and pay for it? If yes then what would be the possible amount? The study was conducted in some selected villages in Darjeeling district and 200 questionnaires were got filled from randomly selected general people. The results shown low level of awareness and willingness to join and pay for health insurance scheme.
Barriers to the Subscription to Health Insurance: Case Study of some Backward Regions in India
2013
The present study is an effort to find out the response of the people of Darjeeling in the area of health insurance. As firstly, this study examines the respondents who are aware or not aware about health insurance as well as various sources of awareness; secondly, those who have not subscribed what are the reasons behind the same, i.e., what are the barriers of subscription to health insurance. The study was conducted in some selected villages in Darjeeling district and 200 questionnaires were got filled from general people. The results shown low level of awareness and five factors act as the basic barriers to the subscription for such an insurance scheme. Barriers to the Subscription to Health Insurance: Case Study of some Backward Regions in India
International Journal Of Community Medicine And Public Health
Background: Health insurance is an important mechanism in the modern world to save the individuals from the huge health shock, even then very high percentage of people even from educated higher income groups are not covered under any health insurance policy. This study was undertaken to know the knowledge, attitude and practice regarding health insurance.Methods: A community based cross sectional study was conducted among 550 household of Uttar Kannada and Udupi districts. Multistage sampling technique was used.Results: Of the 550 study participants, 384 (69.8%) were BPL card holders. 348 (63.27%) were aware and also subscribed for any type of the health insurance, 115 (20.91%) were aware but did not subscribe while 87 (15.82%) were not aware about it. The main source of information were health workers 185 (39.74%), friends and family 178 (38.44%) and media 99 (21.38%). Of the 348 who had health insurance, only 89 (25.57%) utilized them. Reasons for not availing health insurances ot...
AWARENESS OF HEALTH INSURANCE AND ITS RELATED ISSUES IN RURAL AREAS OF JAMNAGAR DISTRICT
National Journal of Community Medicine, 2013
Introduction: The rural population are more vulnerable to risks such as illness, injury, accident and death because of their social and economic situation. There is need to provide financial protection to poor families for the same. Health insurance could be a way of removing the financial barriers and improving accessibility to quality medical care by the poor and also an effective social security mechanism. Objective: Objective of this study is to find the awareness regarding health insurance and its source of information and to know the reasons for opting health insurance as well as to assess determinant of awareness of health insurance. Material and Methods: Study was done in 4 villages and 100 houses from each village were covered by systemic random sampling from April 2012 to July 2012 making a total sample size of 400. A pretested questionnaire was used to collect the data through house to house survey. Data entry and analysis was done using epi info 7 statistical software. Results: Of the total 400 respondents, 57.25 percent (229) of the respondents were aware of health insurance. A statistically significant association were found between awareness and various determinants viz. Sex, education, occupation and socio economical class. Major reasons for opting for health insurance were; refund of cost of drug during illness (100%), followed by economical gain (40.65%). Conclusions: Awareness regarding health insurance is poor; therefore awareness creation is needed. Education, socio-economical status and occupation were favourable determinants for opting health insurance.
Journal of corporate governance, insurance and risk management, 2023
Objective: This study aims to investigate the significance of health insurance in the context of India's growing population, with a particular focus on Uttar Pradesh, the country's most populous state. By examining various factors, such as the cost of health insurance in relation to its perceived benefits, the study seeks to understand the drivers behind health insurance uptake in the state. The importance of health insurance is underscored by the high cost of quality healthcare and the prevalent lack of awareness regarding its benefits. This paper emphasizes the need for health insurance and explores the reasons behind individuals' reluctance to prioritize its benefits over short-term gains. Methods: A mixed-methods approach was employed in this study. Quantitative data was collected to gauge the impact of cost on health insurance adoption and to assess how an individual's income influences their perception of health insurance. Surveys using Google Forms were administered in urban areas to obtain numerical data reflecting the general population's views on the current situation and their willingness to purchase health insurance. The sample comprised 402 respondents from Uttar Pradesh, representing diverse age groups, social backgrounds, and income levels. Data from the National Family Health Survey and the National Sample Survey Office were used as reference points to determine the prevalence of insurance uptake and to evaluate the representativeness of the sample. Results: The findings suggest that the cost factor, specifically the cost of health insurance premiums and the longterm returns they offer, remains the primary determinant of health insurance adoption. Practical Implications: This research underscores the importance of health insurance in the Indian society and identifies the factors influencing individuals' decisions to purchase a policy. Furthermore, the study proposes that making health insurance more affordable and raising awareness among the population could address the issue of low uptake. Consequently, this work aims to heighten awareness of health insurance's importance among Uttar Pradesh residents and recommend that policy makers implement strategies to make it more accessible, thereby influencing public behavior.
F1000Research
Introduction: Globally, the foundation of health insurance is substantial. However, the Indian health insurance sector lags. Only 14.1% of the rural population is covered by health insurance. That is, 85.9% of individuals in rural India still lack any form of health expenditure coverage and are unaware and thus are uninsured. Despite all the efforts made by the health system to assist the Indian population with supporting their healthcare finances, the public is unable to use these services simply because they are unaware of them. Individuals without health insurance will experience impoverishment due to health-related problems. Increased health insurance awareness can also be an indicator of universal health coverage. The objective is to study rural community individuals' awareness, perception, and utilisation of health insurance and to determine the association between sociodemographic variables and awareness of health insurance. Methods: The study will be a community based cr...
Awareness of Health Insurance in Indore: A Cross-Sectional Descriptive Study
Innovative Publication, 2016
Background: Health insurance policies insure against several illnesses and guarantee a financial security if ever a treatment is required. Objectives: The main purpose of study was to find out awareness of health insurance among households in Indore. Secondly to assess the awareness of people regarding government sponsored health insurance schemes and in last to find out source of information regarding health insurance & the reason for not having health insurance. Focus was on the variables like the Education, Gender, Occupation, Income, type of the families etc. Material & Method: The study was conducted in Indore city and 200 subjects were selected from randomly selected general people. The collected data were analysed with the help of various tools and techniques to draw meaningful inferences and conclusion which were obtained using Excel and some using SPSS. Results: Result shows that 41% of the respondents heard the term health insurance. 66% were interested in having a health insurance and almost equal 63.4% were willing to spend less than Rs.1000 for health insurance. Conclusion: Many people aware but had incomplete information regarding various aspects of health insurance & its importance. Hence it is important to increase the awareness community on various aspects of health insurance in view to meet the ever rising medical expenses in view of unpredictable illness & injuries.
2014
Background Health insurance has been acknowledged by researchers as a valuable tool in health financing. In spite of its significance, a subscription paralysis has been observed in India for this product. People who can afford health insurance are also found to be either ignorant or aversive towards it. This study is designed to investigate into the socio-economic factors, individuals’ health insurance product perception and individuals’ personality traits for unbundling the paradox which inhibits people from subscribing to health insurance plans. Methods This survey was conducted in the region of Lucknow. An online questionnaire was sent to sampled respondents. Response evinced by 263 respondents was formed as a part of study for the further data analysis. For assessing the relationships between variables T-test and F-test were applied as a part of quantitative measuring tool. Finally, logistic regression technique was used to estimate the factors that influence respondents’ decision to purchase health insurance. Results Age, dependent family members, medical expenditure, health status and individual’s product perception were found to be significantly associated with health insurance subscription in the region. Personality traits have also showed a positive relationship with respondent’s insurance status. Conclusion We found in our study that socio-economic factors, individuals’ product perception and personality traits induces health insurance policy subscription in the region.
A STUDY ON FACTORS INFLUENCE THE AWARENESS OF HEALTH INSURANCE
Wisdom India Publications, 0
In day-today life, Environments of society, culture of food, workplace, and living place, Changes in human movements are huge differences when they are compared with the past years. in the ancient days, there was no insurance in our life. Later, it plays a major role in human life and business in bearing the uncertainty risk. Nowadays, we have so many insurance products and companies in the world with tax benefits. Here, the study is taken to examine the awareness of insurance products among the public with special reference to Tiruchirappalli City.