Attitudes, Perceptions, and Benefits: Drivers of Health Insurance Enrolment Among Healthcare Workers in Malaysia

In Malaysia, while the public healthcare system remains highly subsidized, personal healthcare insurance (PHI) has gained traction as an alternative financing option, particularly among middle- and high-income groups, including healthcare personnel. Understanding the factors influencing PHI enrollment is crucial for policymakers and insurers. This study examines the impact of attitude, perception, and perceived benefits on PHI participation among healthcare staff in selected private hospitals. Using a quantitative approach, data were collected through a structured questionnaire targeting healthcare personnel. Statistical analysis was conducted to determine the relationship between psychological and informational factors and PHI enrollment decisions. The findings indicate that a positive attitude and perception toward PHI significantly increase the likelihood of participation. Additionally, individuals with a strong understanding of PHI benefits are more inclined to enroll, highlighting the importance of awareness and knowledge in decision-making. The study concludes that increasing PHI uptake requires targeted awareness campaigns, improved trust-building efforts, and flexible policy options. Policymakers and insurance providers should simplify policy structures, enhance transparency in claims processing, and implement educational initiatives to improve public understanding of PHI benefits. Employers in the healthcare sector can also support PHI participation through workplace enrollment programs. The study contributes to existing literature by emphasizing the role of psychological and informational factors in health insurance decisions. Practically, it provides actionable insights for policymakers and insurers to enhance PHI participation.