A Study on Health Insurance Acceptability Among Salaried Individuals with Special Reference to Mannar Panchayat, Alappuzha District, Kerala

Abstract

The study attempts to understand the health insurance acceptability among salaried individuals with special reference to Mannar Panchayat, which belongs to the Alappuzha District of the state of Kerala. Access to health insurance improves the productivity of the workforce, as it enhances health conditions. The economic constraints to accessing healthcare can be reduced through health insurance. But awareness and acceptability of health insurance remain poor in most parts of Kerala. The study attempts to analyse the acceptability of health insurance among salaried individuals in a rural place called Mannar in Kerala. The study is made based on primary data collected from 75 randomly selected salaried individuals from Mannar Panchayat. The study defined salaried individuals as a person who get a fixed compensation for their services rendered to the employer on a regular basis. The objectives of the study were to identify the job profile of the salaried individuals in the study area, to examine health insurance awareness among the salaried individuals, and to analyze the various factors that affect buying of health insurance products by salaried individuals. The study identifies the trustworthiness of the company, better schemes offered by them and easy claim settlement as the major factors which attract an individual in selecting a health insurance company.