A Study on Awareness on Health Insurance in India and its associated Problems

Author(s)	Ms. Archana T A, Dr. R Prema
Country	India
Abstract	Health insurance has become an essential safety net to manage the financial burden of healthcare expenses. However, in India, health insurance awareness and penetration remain low despite increasing healthcare costs and government initiatives to improve accessibility. This study investigates the level of awareness regarding health insurance among the Indian population, identifying key factors influencing awareness, and examines the challenges and problems associated with health insurance adoption. Through a mixed-methods approach, combining quantitative surveys with qualitative interviews, the research reveals significant gaps in knowledge, accessibility issues, and financial and procedural challenges that inhibit higher adoption rates. The findings of this study provide insights into policy improvements and suggest strategies to enhance public awareness, address perceived barriers, and facilitate wider health insurance coverage.
Keywords	Awareness, Accessibility, Insurance Adoption, Barriers, Awareness Campaigns
Field	Business Administration
Published In	Volume 16, Issue 4, October-December 2025
Published On	2025-11-22
DOI	https://doi.org/10.71097/IJSAT.v16.i4.9574
Short DOI	https://doi.org/hbb8fq

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