Knowledge, Attitude and Practices Regarding Health Insurance Among Class IV Hospital Workers: A Cross-Sectional Study

Objectives Class IV hospital workers are critical to healthcare delivery but often face limited health insurance awareness, impacting their financial security. To assess knowledge, attitude, and practices (KAP) regarding health insurance among Class IV hospital workers and examine associations with sociodemographic factors. Material and Methods A cross-sectional study was conducted from September 2024 to February 2025 among 74 Class IV workers in a tertiary care hospital in Belagavi, India. Participants were selected through convenience sampling. Data were collected using a pre-validated, structured questionnaire comprising 10 items on knowledge, 9 on attitudes, and 10 on practices. Internal consistency was confirmed with Cronbach’s alpha >0.70 for each domain. Scores were categorised as “good,” “moderate,” or “poor” using percentile distribution. Statistical analysis included descriptive statistics and Chi-square tests. p <0.05 was considered significant. Results Of the participants, 57% were female. While 67.6% strongly agreed that health insurance is essential, 63.5% were unaware of specific benefits available to them. Significant associations were found between knowledge and age ( p = 0.043), income ( p = 0.003), and years of service ( p = 0.004). Practice levels were significantly associated with income ( p = 0.007). No significant associations were found between attitude scores and any sociodemographic variable. Conclusion Most workers possess moderate insurance knowledge with significant income-based disparities. Interventions should address the specific needs of the moderate knowledge group through targeted education and financial support.