Empirical analysis reveals barriers in health insurance purchase and usage, indicating a need for targeted interventions.
The current study looks at the obstacles people face while trying to buy and use health insurance policies. This study investigates the fundamental aspects of restrictions, such as monetary, informational, structural, and experiential obstacles, using factor analysis, correlation analysis, and principal component extraction. Following factor analysis, the Kaiser-Meyer-Olkin (KMO) measure and Bartlett's assess of Sphericity were used to statistically assess the data gathered from 396 respondents. The results show important elements pertaining to lack of knowledge, alternative investment preferences, restricted coverage, agent conduct, claim-related problems, peer pressure, and financial constraints. Additionally, correlation analysis reveals weak or non-existent connections between views of health insurance, awareness, reliability problems, and unfavourable peer experiences. The study comes to the conclusion that in order to increase health insurance adoption and satisfaction, specific interventions are needed to address the multifaceted barriers. Suggestions for policies are offered to raise knowledge, streamline procedures, and bolster customer confidence.
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Sandhu et al. (2025) studied this question.
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