A Comprehensive Study on Health Insurance Awareness, Utilization, and Determinants in India

Author(s)	Dr. Ganga Devi T R
Country	India
Abstract	Health insurance is a vital mechanism for financial risk protection and access to healthcare services. Despite various policy initiatives and government-sponsored schemes, health insurance penetration in India remains comparatively low. This study examines awareness, utilization, and determinants influencing the adoption of health insurance among individuals. The research identifies socio-economic, demographic, and behavioral factors affecting insurance uptake and utilization. The study highlights barriers such as affordability, procedural complexity, inadequate awareness, and lack of trust in insurers. The findings suggest that effective awareness campaigns, simplified claim procedures, and affordable insurance products can improve insurance coverage and healthcare accessibility.
Keywords	Health Insurance, Awareness, Utilization, Healthcare Financing, ,Insurance Adoption
Field	Arts
Published In	Volume 17, Issue 1, January-June 2026
Published On	2026-05-17
Cite This	A Comprehensive Study on Health Insurance Awareness, Utilization, and Determinants in India - Dr. Ganga Devi T R - IJAIDR Volume 17, Issue 1, January-June 2026.

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