Awareness of Health Insurance among Rural Population

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Awareness of Health Insurance among Rural Population

Journal Title: GJRA-Global Journal For Research Analysis - Year 2015, Vol 4, Issue 6

Abstract

For the majority people living in rural India, Health Insurance is a unheard word. As per the findings of a contemporary research report by RNCOS, mentality is one the biggest reasons behind the low penetration rate of health insurance in rural India. Creating awareness about the Health Insurance among the rural population remains a biggest challenge. Materials and Methods:A Descriptive study was carried in 3 out of 10 villages attached to the Yenepoya University through the Rural Community Health Services. The villages were selected by cluster sampling technique by lottery method. Total 2946 households of 3 villages were interviewed by administering a pretested questionnaire after obtaining informed consent. The respondents included the head of the family or a member of family identified by the head of the family. Results: Majority (65%) of the respondents were from low socio-economic status holding BPL cards. 1326 (45%) were not aware of any form of Health Insurance. 1620 (55%) respondents were aware of Health Insurance and the main source of information was health worker (59.2%). Out of the respondents who were aware of Health awareness, 1124(38.2%) respondents had subscribed for Health Insurance and it was mainly institution /NGO based (98.3%) as against public financed (1.7%). 496 (16.8%) respondents had not subscribed to any form of Health Insurance despite being aware and the main reason for not subscribing was attributed to the complicated process (44.6%) involved in the health insurance process they were aware of. Conclusion: Awareness of Health Insurance is variable among the rural population. Health worker (59.2%) being a main source of awareness can play a key role. There is a need to develop a viable Health Insurance scheme especially for Rural population by linking to BPL card holders, collaborate with Institution and NGOs to offer subsidized health care facility and promote the same through trained Health worker.

Authors and Affiliations

Dr. Sunita Saldanha, Dr. GhulamJeelani Qadiri, Dr. Mohammad Guthigar, Mrs. Irene Veigas

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EP ID EP585549
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