Awareness, attitude and their correlates towards health insurance in an urban south Indian population

Reshmi, Bhageerathy and Nair, Sreekumaran N and Sabu, KM (2012) Awareness, attitude and their correlates towards health insurance in an urban south Indian population. Management in health, 16 (1). pp. 32-35.

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Background: In India, factors like lack of awareness about health insurance seems to have curtailed the growth of health insurance in the past and are likely to have an impact in the near future. A community based cross sectional study was carried out to find out the awareness about health insurance, attitude towards it and identify the correlates of these in an urban population in south India. Methods: The city of Mangalore in Karnataka state (India) with a total population of three hundred thousand was chosen for the study. The city had 60 wards (smallest administrative unit) of which 10 wards were randomly selected. Two hundred and forty two households from these ten wards were selected by probability proportional to size method for the study. The respondents from 242 households (male-38.4%; female-61.6%) were interviewed by using a pre tested questionnaire. The socio- demographic data and questions on awareness and attitude were collected using the questionnaire. Results: The awareness of health insurance was found to be 64.0%, it was significantly higher in those respondents whose educational status was above graduation level, who were holding white collar jobs and had a family income of US$200 and above per month. Religion, occupation, family income, educational status and socio-economic status had a statistically significant effect on awareness of the respondents about health insurance (p<0.05>). Thirty nine percent of the population was willing to take health insurance whereas 60% were not .Socioeconomic status was found to be a significant correlate in determining the attitude towards health insurance (p<0.05). Approximately US$25 was the amount agreeable to be paid as premium. Conclusion: The findings indicate that the health insurance companies should come out with a clear policy details, as many of the respondents have only vague ideas about their various benefits and risks involved in a policy.

Item Type: Article
Uncontrolled Keywords: Awareness; Attitude; Health insurance; urban population.
Subjects: Allied Health > MCOAHS Manipal > Health Information Management
Departments at MU > Statistics
Depositing User: KMC Manipal
Date Deposited: 20 Nov 2012 10:29
Last Modified: 20 Nov 2012 10:29

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