ISSN 2063-5346
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Effects of Financial Incentives on Saving Outcomes and Material Well-Being

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Gulshan Kumar
» doi: 10.31838/ecb/2023.12.si6.427


Access to healthcare is made possible with the protection of financial risk. Enrollment in community-based health insurance, which prevents catastrophic health-care costs, has been proven to be influenced by knowledge and attitude. Health insurance knowledge and attitudes, however, have not been thoroughly investigated. This study's goal was to assess the informal workers’ knowledge and attitudes towards community-based health insurance. Methods: A community-based cross-sectional study was conducted with 100 randomly selected informal workers. We conducted structured face-to-face interviews using a newly developed and validated questionnaire. After being coded, the data was imported into Epi Data and exported to SPSS for analysis. Using logistic regression analysis, potential correlations between the research variables were looked for. Results: Overall, 100 of them returned their completed questionnaires. 70% of the respondents were male. 49 (49%) of the participants completed college and above education. 40 (40%) and 60 (60%) of the participants were daily laborers and housewives, respectively. About 33 (33%) of the study participants were feeling sick a month ahead of the data collection period. Also, 65 (65%) of the study participants were worried about paying when they feel sick. Conclusion: The unofficial workers had unfavourable attitudes and little understanding about community-based health insurance. To ensure that everyone has access to medical care, it is crucial to promote the usage of community-based health insurance.

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