Understanding perception and factors influencing private voluntary health insurance policy subscription in the Lucknow region

Mathur, Tanuj; Paul, Ujjwal Kanti; Prasad, H. N.; Das, Subodh Chandra

doi:10.15171/ijhpm.2015.08

Cited by 19 publications

(20 citation statements)

References 30 publications

(28 reference statements)

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“…The result shows consistency with earlier studies. It supports the findings of Mathur et al, (2014) who reports that families with large number of dependants in Lucknow region, India demonstrate low propensity to subscribe to health insurance compare to household with lesser dependants. Also, Fletschner and Kenney (2014) discover that responsibility imposed on rural women as a result of family size is a factor for determining their financial services (insurance inclusive) need and ability to obtain it.…”

Section: Discussion Of Findingssupporting

confidence: 89%

“…The size of the family determines the perception and subscription to health insurance among residents of Lucknow region, India. Mathur, Paul, Prasad and Das (2014) discover that families with large number of dependants demonstrate low propensity to subscribe to health insurance compare to household with lesser dependants.…”

Section: Socio-cultural Factorsmentioning

confidence: 99%

“…Sen (2008) found that demographic variables including life expectancy, young and old dependency ratio, adult literacy rate and rate of urbanization are significant determinants of life insurance demand. In another study conducted in India to investigate the factors influencing the choice of health insurance policy subscription, Tanuj, Ujjwal, Himanshu and Subodh (2015) discover that demographic variables including the insured's age, size of dependants and higher medical expenditure are significant and positively related to the purchase behaviour of individuals about health insurance.…”

Section: Demographic Factorsmentioning

confidence: 99%

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Factors Influencing the Choice of Third Party Liability Motor Insurance Among Academic Staff in Lagos State, Nigeria.

Dansu

Abass

Oyetayo³

2018

LJERHRM

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The coverage of the Third Party Liability (TPL) motor insurance is limited when compared with the third party liability, fire & theft and comprehensive coverage. Notwithstanding this limitation, vehicle owners seem to still prefer the third party liability motor insurance policy. This study seeks to identify the major factors responsible for this sentiment. 300 academic staff across five tertiary institutions in Lagos were engaged in this study. Data were gathered with the use of structured questionnaire, 146 copies of the questionnaires were duly completed and found useful for the study. The data were analysed by conducting factor analysis and testing three hypotheses using correlation analysis with the aid of Statistical Package for Social Sciences (SPSS), version 20. The study found significant positive relationship existing between family size, price of insurance, number of vehicles owned and marital status and the choice of TPL motor insurance policy among academic staff of higher institutions in Lagos State. The findings of the study reflected that TPL motor insurance is preferred because it is cheap and its purchase will not mainly hinder the attainment of the needs of any family members. It is recommended that safety of life and properties other than price of motor insurance should be considered when making motor insurance policy choice and that there is need to review the law of motor insurance with the aim of expanding the mandatory minimum coverage to cater for the life and properties of the insured.

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Section: Discussion Of Findingssupporting

confidence: 89%

Section: Socio-cultural Factorsmentioning

confidence: 99%

Section: Demographic Factorsmentioning

confidence: 99%

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Factors Influencing the Choice of Third Party Liability Motor Insurance Among Academic Staff in Lagos State, Nigeria.

Dansu

Abass

Oyetayo³

2018

LJERHRM

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“…This is also because of fearing future health costs when family members might become sick [1,2]. However, this finding is contradictory to the study conducted in Burkina Faso [26][27][28]. The inconsistency might be due to the fact that households' apprehensions (fears) about the compromise of quality of service they would be consuming during the enrollment time.…”

Section: Discussionmentioning

confidence: 88%

Determinants of enrollment decision in the community-based health insurance, North West Ethiopia: a case-control study

et al. 2020

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Objective: To identify the determinants for enrollment decision in the community-based health insurance program among informal economic sector-engaged societies, North West Ethiopia. Method: Unmatched case-control study was conducted on 148 cases (member-to-insurance) and 148 controls (not-member-to-insurance program) from September 1 to October 30,2016. To select the villages and households, stratified then simple random sampling method was employed respectively. The data were entered in to Epi-info version 7 and exported to SPSS version 20 for analysis. Descriptive statistics, bi-variable, and multi-variable logistic regression analyses were computed to describe the study objectives and identify the determinants of enrolment decision for the insurance program. Odds ratio at 95% CI was used to describe the association between the independent and outcome variables. Results: A total of 296 respondents (148 cases and 148 controls) were employed. The mean age for both cases and controls were 42 ± 11.73 and 40 ± 11.37 years respectively. Majority of respondents were males (87.2% for cases and 79% for controls). Family size between 4 and 6 (AOR = 2.26; 95% CI: 1.04, 4.89), history of illness by household (AOR = 3.24; 95% CI: 1.68, 6.24), perceived amount of membership contribution was medium (AOR = 2.3; 95% CI: 1.23, 4.26), being married (AOR = 6; 95% CI:1.43, 10.18) and trust on program (AOR = 4.79; 95% CI: 2.40, 9.55) were independent determinants for increased enrollment decision in the community-based health insurance. While, being merchant (AOR = 0.07; 95% CI: 0.09, 0.6) decreased the enrollment decision. Conclusion: Societies' enrollment decision to community-based health insurance program was determined by demographic, social, economic and political factors. Households with large family sizes and farmers in the informal sector should be given maximal attention for intensifying enrollment decision in the insurance program.

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“…The studies conducted in Ghana and India had shown that families with an illness at least in one member in the past one year were more likely to will to enroll in to insurance scheme than the counterparts and that witnessed the effect of adverse selection on enrolment decision. The more households experience health problems, the more expense they would make for each healthcare consumed and thus households decide to enroll in to any risk poling programs because of fearing future expensive health expense when family members might get in to sick (1,12), However this finding is contradictory to a the study conducted in Burkina Faso (22). This inconsistency might be due to the fact that households' apprehensions (suspections) about the compromization of quality of service they would consumed during the enrolment time.…”

Section: Discussionmentioning

confidence: 92%

Determinants of enrollment decision in the community based health insurance, North West Ethiopia: A case control study

Tadesse

Atnafu

Ketemaw

et al. 2019

Preprint

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Objective: - To identify determinants for enrollment decision in the community based health insurance program among informal economic sector engaged societies, North West Ethiopia.Method:-Unmatched case control study was conducted on 148 cases (member to insurance) and 148 controls (not member to insurance program) from September 1- October 30 2016. Stratified then simple random sampling method was employed. The data were entered in to Epi-info version 7 and exported to SPSS version 20 for analysis. Descriptive statistics, bi-variable, and multi-variable logistic regression analyses were computed to describe the study objectives and identify the determinants of enrolment decision for the insurance program. Odds ratio at 95 % CI was used to describe the association between the independent and the outcome variables. Result: - A total of 296 respondents (148 cases and 148 controls) were employed. A mean age for cases and controls was 42 ± 11.73 and 40 ± 11.37 years respectively. Majority of respondents were males (87.2 % for cases and 79 % for controls). Family size between 4 and 6 (AOR=2.26; 95% CI: 1.04, 4.89), history of illness by household (AOR=3.24; 95% CI: 1.68, 6.24), perceived amount of membership contribution was medium (AOR=2.3; 95% CI: 1.23, 4.26), being married (AOR=6; 95% CI:1.43, 10.18) and trust on program (AOR=4.79; 95% CI: 2.40, 9.55) were independent determinants for increased enrolment decision in the CBHI. While, being merchant (AOR=0.07; 95% CI: 0.09, 0.6) decreased the enrolment decision. Conclusion: - Societies enrollment decision to community based health insurance program was determined by demographic, social, economic and political factors. Households with large family size and farmers in the informal sector should be given maximal attention for escalating enrolment decision in the insurance program.

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Understanding perception and factors influencing private voluntary health insurance policy subscription in the Lucknow region

Cited by 19 publications

References 30 publications

Factors Influencing the Choice of Third Party Liability Motor Insurance Among Academic Staff in Lagos State, Nigeria.

Factors Influencing the Choice of Third Party Liability Motor Insurance Among Academic Staff in Lagos State, Nigeria.

Determinants of enrollment decision in the community-based health insurance, North West Ethiopia: a case-control study

Determinants of enrollment decision in the community based health insurance, North West Ethiopia: A case control study

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