Vol. 2, Issue 8 (2015)
Health Insurance: An Emerging Concept
Author(s): Jay R. Patwa, Yash Shah, Nilesh G. Patel, Parimal Patel, Mitesh K. Patel
Abstract: Introduction: Although health insurance is not a new concept and many people are also getting familiar with it, yet this awareness has not reached to the level of subscription of health insurance products. Insurance has not been able to make inroads in the urban slum areas because of key reasons such as high cost of delivery and low awareness. Besides the direct costs of treatment and medication, it even take a hit on their income when they are unable to go to work due to ill health. Ultimately it causes out of pocket expenditure for them. There is a felt need to provide financial protection for the treatment of major ailments, requiring hospitalization and surgery. Methodology: A community-based cross-sectional study was carried out in the in the field practice area of community medicine department of b.j.medical college, Ahmedabad from april’ 14 to june’14. Total 231 subjects were taken by Simple random sampling. Data collection was done by using predesign, pretested questionnaire. The data entry was done in Microsoft excel & analysis was done in epi info 7. X2 test was used for analysis. Result: Out of 231 subjects 58% (134) were aware about health insurance. Covering medical expense (85.07%) was the most common purpose for having health insurance & Reducing out of pocket expenditure (47.76%) was the most common benefit. Government insurance agency was the most preferred health insurance provider. Mean premium amount agreed to be paid by the different socio-economic groups was 1178.42rs. per year. Conclusion: To develop a viable health insurance scheme, it is important to understand people’s perceptions and develop a package that is accessible, available, affordable and acceptable to all sections of the society.