Awareness and attitude regarding health insurance among insured and non-insured: a cross sectional study

Nagaraj Shet, Ghulam Jeelani Qadiri, Sunita Saldanha, Gayathri Kanalli, Prajna Sharma


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 other than being unaware were complicated process 85 (42.08%) and provides only partial coverage 49 (24.26%). The main reasons for not using the health insurance were non availability of empanelled hospital 84 (74.34%), disease not being under the scope of scheme 60 (23.17%) and 32 (12.36%) were unaware about the process of availing.

Conclusions: Health insurances are the best way to help people reduce their financial burden. Hence it is very important to educate the community regarding the best health insurance available so that they can take the maximum benefits from it.


Awareness, Health insurance, Attitude, Udupi, Uttar Kannada

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