In the present study the role of private health care system with regard to health insurance through third party assurance has been evaluated, focus has been made on certain factors such as age, sex, education, income levels and the type of health policies which cardiac insured patients from tier I (Delhi ) and tier II cities (Indore Bhopal ) opt for managing cardio vascular disease. An important conclusion drawn from the present data show that across Delhi, Indore and Bhopal the average age of patients being admitted for the treatment of cardiac ailments was 53 and above, males being more affected than females, which can signifi cantly affect some of the productive life of the individuals and thereby also affecting the working capacity . Education wise the average percentage of policy holders having graduation and above across all the 4 hospitals was 75%, which clearly suggests that high education levels do have a positive infl uence. Comparing the income level of the insured cardiac patients the percentage of insured policy holders in all the four private hospitals under study 86 % had a monthly income of more than Rs. 20,000. The data also suggest that the category of people with low income who need health insurance policy the most do not have it. While comparing the corporate versus individual policy holders, it was found that corporate policy holders are signifi cantly more in Tier I cities than Tier II cities as Delhi has an average of almost 32% corporate insured cardiac patients as against an average of 22% in collective combine of Indore and Bhopal.
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