An analysis of knowledge, attitude, and utilization of health insurance in India: A systematic review

Abstract

ABSTRACTIntroduction The limited awareness regarding financial security schemes and the complexity of health insurance influences individuals’ behaviour and hinders its adoption. This systematic review aims to analyse the current literature on the knowledge, attitude, and utilization of health insurance and will provide a comprehensive understanding of health insurance in India.Methods This review has been registered in PROSPERO. PRISMA 2020 guidelines were used for study screening and selection. Databases such as PubMed and Scopus were used to select relevant articles. Besides those databases, Google Scholar, ScienceDirect, and preprint servers like medRxiv were also used. A total of 28 articles were found relevant and included in the review.Results Based on different geographical regions, the study conducted in Kerala (89.27%) showed the highest knowledge percentage, while Delhi (19.10%) reported the lowest percentage. Positive attitude was most prevalent in Jammu and Kashmir (92.10%), and health insurance was most widely utilized in Karnataka (Kannada) (78.8%), with Odisha (12.60%) having the lowest utilization percentage.Conclusion The Information, Education and Communication (IEC) campaigns should be periodically conducted to raise the awareness, enrolment, and utilization of health insurance among the Indian populace.KEYWORDS: Health insuranceknowledgeawarenessattitudeperceptionutilization Disclosure statementConflicts of interests: The authors reported there are no competing interests to declare.Ethical approval: There are no human participants in this article and informed consent is not applicable.Data availability statementThe data that support the findings of this study are openly available in PubMed (https://pubmed.ncbi.nlm.nih.gov/), Google Scholar (https://scholar.google.com/), Scopus (https://www.scopus.com/search/form.uri?display=basic#basic), ScienceDirect (https://www.sciencedirect.com/) and medRxiv (https://www.medrxiv.org/)Additional informationFundingThe authors reported there is no funding associated with the work featured in this article.Notes on contributorsRuchi ThakurRuchi Thakur is a PhD Scholar in public health from Amity Institute of Public Health and Hospital Administration, Amity University, Noida, India.Mohd ShannawazDr. Mohd Shannawaz is an associate professor at Amity Institute of Public Health and Hospital Administration, Amity University, Noida, India.Shazina SaeedDr. Shazina Saeed is an assistant professor-III at Amity Institute of Public Health and Hospital Administration, Amity University, Noida, India.