Advances in Consumer Research
Issue 4 : 1069-1077
Original Article
Factors Influencing the Uptake of Health Insurance Policies in Delhi-NCR
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1
Assistant Professor, Jagannath International Management School, Vasant Kunj, New Delhi
2
Associate Professor, Department of Business Administration, Maharaja Surajmal Institute, New Delhi
3
Associate Professor, Department of Computer Application, Maharaja Surajmal Institute, New Delhi
Abstract

In the year 2020 world witnessed onslaught of COVID and with this many medical emergencies became a new normal for the world, in addition to this Non-Communicable Diseases (NCDs) were becoming a headache for the common man as they have to plan for the unforeseen events in the form of severe diseases like Cancer, Heart ailments whose treatment involve huge expenditure, this has resulted in huge demand for health insurance. Health insurance serves as a main bulwark of financial security for ordinary people against cost associated with treatment, ultimately becoming crucial necessity for the people. Before COVID insurance agents have to chase their respective clients for selling their schemes but scenario has changed gradually. Lack of awareness or disliking towards the insurance products has been the defining feature of the ordinary people in relation to the health insurance. There are many private and public insurers providing health insurance but still health insurance penetration is very low and present study is a step in this direction to understand the root causes behind low penetration of health insurance. The present study focused upon various factors which are considered by the individuals before purchasing health insurance, the study involved a sample size of 100 respondents and data analysis took place with the help of SPSS. The study concluded that Hospitalization benefits, Service quality and Claim-Settlement Procedure weigh a lot on the minds of individuals while purchasing health insurance. The findings of the present study will be very useful for the authorities in understanding the decision making process adopted by the individuals while purchasing health insurance, in addition to this it will contribute to enhanced efforts by insurers to shore-up customer satisfaction during an uncertain environment

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