LANGUAGE IN INDIA

Strength for Today and Bright Hope for Tomorrow

Volume 12 : 6 June 2012
ISSN 1930-2940

Managing Editor: M. S. Thirumalai, Ph.D.
Editors: B. Mallikarjun, Ph.D.
         Sam Mohanlal, Ph.D.
         B. A. Sharada, Ph.D.
         A. R. Fatihi, Ph.D.
         Lakhan Gusain, Ph.D.
         Jennifer Marie Bayer, Ph.D.
         S. M. Ravichandran, Ph.D.
         G. Baskaran, Ph.D.
         L. Ramamoorthy, Ph.D.
Assistant Managing Editor: Swarna Thirumalai, M.A.

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M. S. Thirumalai
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Analysis of Demand for Health Insurance A Micro Level Study

D. Hemalatha, Ph.D. Candidate
T. S. Kalyani, Ph.D.

ABSTRACT

Health care costs are rising rapidly in India. Today, the best health care involves high technologies that latest advancements in medical field facilitate. Now-a-days the medical expenditure are unbearable to the middle and lower income class people. To meet unpredictable medical expenses health insurance will be of much help to the middle and lower income group people. In this context, the present paper discusses the demand for health insurance by the various income groups and also the awareness of the people about health insurance.

Introduction

Heath Insurance market in developing economies depends on the composition of health delivery providers – whether private or public and the government’s involvement in health insurance provision. However there is strong tendency in poorer economies for households to bear responsibility for paying a much higher proportion of overall health costs out of pocket than in richer economies, which leads to underinvestment in health services (particularly on the preventive side) and vulnerability to health related consumption stocks. Thus, a strong case can be made for improving health outcomes in poor countries through a varied combination of public and private insurance provision depending on the institutional selling (Lacl Brainand, 2011). Indeed, countries such as Mexico and Colombia have undertaken interesting reforms in their area in recent years and this is likely to be an area of strong growth.

This is only the beginning part of the article. PLEASE CLICK HERE TO READ THE ARTICLE IN PRINTER-FRIENDLY VERSION.

D. Hemalatha, Ph.D. Candidate
Assistant Professor, Economics Wing, DDE
Annamalai University
Annamalai Nagar
Tamilnadu
India
hemaramesh1973@gmail.com

T. S. Kalyani, Ph.D.
Professor
Economics Wing, DDE
Annamalai University
Annamalai Nagar
Tamilnadu
India
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