Awareness and perception regarding health insurance in Bangalore rural population

Abstract

exception of the upper classes, people cannot afford such type of social protection. For most people living in poor developing countries illness still represents a permanent threat to their income earning capacity. Beside the direct costs for treatment and drugs, indirect costs for the missing labour force of the ill and the occupying person have to be shouldered by the household.

An Assessment of Awareness about Health Insurance among Residents of Western UP

“…Similar to our findings Patro et al found that different socioeconomic strata agreed to pay a premium between Rs.600.00 and1000.00 for a family of five per annum. [12] While Madhukumar S, et al reported that 31% families were ready to pay at least minimum of Rs 500 per year [13] Madhukumar S, et al similar to our study showed that majority of poor respondents had believe in governmental health insurance agencies [13] A study conducted by Gumber and Kulkarni [14] in…”

Health insurance in India: what do we know and why is ethnographic research needed

“…According to the informants, information on health insurance should be provided by trusted parties such as respected healthcare workers, local NGOs, and members of the local government, called panchayat (see also Ahmed, 2013;Madhukumar, Sudeepa and Gaikwad, 2012). Regarding the content of the explanations needed, one of the main issues to address would be the basic principle of risk pooling.…”

“…Important questions to look into are who buys insurance, for whom, and why. Some research has indicated that nuclear families and families with fewer members are more likely to buy insurance policies (Madhukumar, Sudeepa, and Gaikwad 2012) and socio-economic factors including literacy, religion, occupation, and gender are important (Reshmi et al 2007(Reshmi et al , 2012Rai and Ravi 2011;Chakrabarti and Shankar 2015). Research is needed on both motivations for and ambivalence about health insurance experienced in different types of households.…”

“…On the other hand, the private sector has been thriving, providing 80% of outpatient and 60% of inpatient care (Sharma 2015). Even the poorest and least educated people in both rural and urban settings consult private practitioners more than government practitioners and spend about twice as much on treatment from them than from government practitioners (Bhatia and Cleland 2001;Devadasan et al 2006;Purohit and Siddiqui 1994;Madhukumar, Sudeepa, and Gaikwad 2012).…”

Awareness on Health Insurance Among an Urban Community in Imphal: A Crosssectional Study

“…This was in contrast to the findings in the study by Ghosh M. 3 in Darjeeling district, where 54% of respondents who were aware about health insurance subscribe to health insurance scheme. However, in a study by Madhukar S et al 10 conducted in rural Bangalore, only 22% of the households had health insurance coverage. The very low percentage of enrolment in our study indicates the need to convince people about the benefits of health insurance.…”