Factors Affecting Health Insurance Adoption and Awareness in Uttar Pradesh, India: A Comprehensive Analysis

Abstract

: Objective: This study aims to investigate the significance of health insurance in the context of India's growing population, with a particular focus on Uttar Pradesh, the country's most populous state. By examining various factors, such as the cost of health insurance in relation to its perceived benefits, the study seeks to understand the drivers behind health insurance uptake in the state. The importance of health insurance is underscored by the high cost of quality healthcare and the prevalent lack of awareness regarding its benefits. This paper emphasizes the need for health insurance and explores the reasons behind individuals' reluctance to prioritize its benefits over short-term gains. Methods