Department of Management, Jamia Hamdard, New Delhi, India.
USN School of Business, University of South-Eastern Norway, Kongsberg, Norway.
Front Public Health. 2024 Mar 15;12:1332511. doi: 10.3389/fpubh.2024.1332511. eCollection 2024.
This study empirically investigates the attitude of tobacco and alcohol consumers towards health insurance purchase in India. The study aims to determine the factors which plays a significant role in determining the purchase intention of health insurance among tobacco and alcohol consumers.
We propose an extended theory of planned behavior (TPB) model comprising factors like attitude, subjective norms, perceived behavior control, perceived usefulness, perceived product risk, and intention to purchase. We collected responses from 420 tobacco and alcohol consumers through a Google Form link shared via different social media platforms. SPSS has been used to perform exploratory factor analysis, whereas AMOS has been used to validate the constructs, confirm the relationships among the variables, and analyze the data.
The analysis outcomes demonstrate that subjective norms, perceived product risk, and perceived behavioral control are the factors that have a positive and significant effect on health insurance purchase intention among consumers.
This research offers valuable insights to the insurance sector, government officials, policymakers, and academicians. Insurance companies may consider the criteria analysed when creating policies to promote the expansion of the health insurance sector.
本研究通过实证研究考察了印度烟民和酒民对健康保险购买的态度。研究旨在确定哪些因素对烟民和酒民购买健康保险的意愿有重要影响。
我们提出了一个扩展的计划行为理论（TPB）模型，其中包括态度、主观规范、感知行为控制、感知有用性、感知产品风险和购买意向等因素。我们通过不同的社交媒体平台共享的 Google 表单链接收集了 420 名烟民和酒民的回复。SPSS 用于进行探索性因子分析，而 AMOS 则用于验证结构、确认变量之间的关系以及分析数据。
分析结果表明，主观规范、感知产品风险和感知行为控制是对消费者健康保险购买意愿有积极和显著影响的因素。
本研究为保险行业、政府官员、政策制定者和学者提供了有价值的见解。保险公司在制定政策以促进健康保险行业的发展时，可以考虑分析的标准。
