Online ISSN: 2515-8260

Keywords : Health insurance policy


NEED OF HEALTH INSURANCE POLICIES AND ITS COVERAGE - A CROSS SECTIONAL SURVEY

C. Prathiba Reichal; Jayalakshmi Somasundaram; Lakshminarayanan Arivarasu

European Journal of Molecular & Clinical Medicine, 2020, Volume 7, Issue 1, Pages 431-442

Health insurance policies help in fulfilling the basic needs and provide financial stability. It covers medical, surgical and dental treatment bill payment. Children ‘s health insurance program and public health insurance program have benefits on children and senior citizens. Senior citizens insurance plan is valid for he people with age group of 60 and above. Health insurance policies have certain paneled hospitals that accept the health insurance coverages and that other hospitals do not. Queries are arising regarding the inclusion of COVID-19 under the insurers policy coverages. The aim of the present study is to analyse the knowledge and awareness on the need of health insurance policies and its coverages among the public. The cross sectional survey is conducted among a sample population 100. The age group sample population is 18-60 and the survey is conducted via an online portal. Descriptive statistical analysis is made by SPSS software. The results are represented in the form of a bar graphs. 43% of the sample population have family floater policy plans. Star health insurance and allied Co.Ltd has the majority of insurers among the total sample population. OPD and dental treatment are also covered under general health policy coverage. IRDA guidelines state that insurers diagnosed with COVID-19 are eligible for insurance claim. Hence, the sample population has awareness and knowledge about the need of health insurance policies and coverages. Hence,the current study culminates that the sample population has awareness and knowledge about the merits and demerits of having a health insurance plan and it is found to be statistically higher when compared with the previous research.