Determinants of Enrolment for Health Insurance Schemes among Industrial Workers In Coimbatore: A Logistic Regression Analysis

Abstract

In this paper the determinants of enrolment for health insurance among informal industrial workers in Coimbatore is analysed. The current study explains the importance of educational status that plays an important role in enrolment of health insurance among informal industrial workers. The distinctiveness and overlaps in health insurance and enrolment in health insurance are also highlighted in this study. The study comprises 750 sample respondents from different foundry/engineering and textile industries in Coimbatore were interviewed by the researchers. Logistic Regression Technique is used to analyse the determinants of enrolment in health insurance schemes among industrial workers. Results have implication that education plays a lead role in determining enrolment in health insurance among industrial workers. The escalating cost of medical treatment today is beyond the reach of a common man. This study gives suggestions such as the health insurance company could provide precise policy and Government to implement still better health insurance schemes for informal industrial workers. Most of the respondents were of the opinion that government should come out with a clear cut policy, where the public can be made to contribute compulsorily to a health insurance scheme to ensure unnecessary out-of-pocket expenditures and also better utilization of their health care facilities.