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A STUDY OF FACTORS AFFECTING IT SECTOR EMPLOYEES PERCEPTION TOWARDS HEALTH INSURANCE: AN EMPIRICAL STUDY IN MADHYA PRADESH REGION

Dr. Deepesh Mahajan Prof. Shailendra Godha Prof. Rohan Sachhar

Abstract


Abstract:- Health insurance is a growing concept of India's economy as the country is having a huge potential for the same as expectancy and certainly of life keeps taking twist and turns. Mediclaim Policy which was the name of a product now has become the name of the product class, people know Health Insurance in the name of Mediclaim Policy. The health insurance occupies around 10 % in density calculations on wide parameters. There are few aspects reveled by the earlier researchers for the low penetration and coverage are the lack of awareness among masses and low disposable surplus, Regulatory aspects. The Insurance Regulatory Authority of India (IRDA) operates as an overall regulator of life and general insurance business in India. Present study concludes that factor awareness, affordability and non-mandatory nature of Health Insurance it has low penetration in the country, policy makers, regulators and insurance companies need to understand this to make a effective mark among the masses.

Keywords:- Health Insurance, MEDICLAIM, Perception.


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