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Assessing the Health Insurance Implications of COVID-19

International Journal of Banking, Risk and Insurance

Volume 10 Issue 1

Published: 2022
Author(s) Name: Shahin Shah, Sini V. Pillai | Author(s) Affiliation: CET School of Management, Trivandrum, Kerala, India.
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Abstract

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Increase in the spread of COVID-19 virus in the first and second phases, with the highest infected rates each day, has caused the whole world to feel insecure, with the dramatic loss of human lives. Medical infrastructural facilities, like beds and oxygen cylinders, were not accessible in different parts of our country. At the same time, private hospitals were charging huge amounts for treatment and allied services. At this juncture of the current pandemic situation, it is seen that the demand for purchasing life and health insurance products is increasing and is considered critical to congregate the financial protection in health. The research intends to explore various factors which lead individual investors to invest in health insurance during the pandemic crisis. Insurance provider competence, service quality, investors’ attitude, and premium amount payable are the factors which lead customers to invest in health insurance. Results show that the premium amount payable and service quality influence customers to purchase health insurance products during the pandemic.

Keywords: Service Quality, Provider Competence, Insurance Agents, Linked Hospitals, Insurance Premiums

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