Title: An empirical study on the perception and satisfaction of the policyholders towards health insurance

Authors: V. Kaliyammal; P. Mohanasundaram

Addresses: Department of Commerce, Periyar University Centre for Postgraduate and Research Studies Dharmapuri, Tamil Nadu, 635205, India ' Department of Commerce, Periyar University Centre for Postgraduate and Research Studies Dharmapuri, Tamil Nadu, 635205, India

Abstract: Health insurance generally delivers straight reimbursement to the sanitarium (cashless installation), repays the charges related to ail and grievances, or spends static assistance on the circumstance of an illness. The insurance content was substantially narrowed to life and automobiles. Service quality is judged by comparing consumer expectations with facility recital. The health plan specifies which medical bills will be covered in advance. Life insurance protects your family financially if the insured dies. Health insurance protects tone and family against financial disasters like death. A health guard policy's principal goal is to provide policyholders with a low-cost cash return in medical emergencies. It reduces emergency hospitalisation costs. Health insurance covers unexpected medical expenses. The demographics of Dharmapuri district health insurance policyholders reveal service quality and perception to investigate the insured's biggest health insurance business and agent difficulties. Secondary sources augmented primary data. The study used quarterly reports, websites, IRDA publications, periodicals, and journals for secondary data. Propionate stratified slice had 282 of 1,074 individuals. ANOVA, correlation, and descriptive statistics kept the analysis going.

Keywords: health insurance; sanitarium; quality of services; policyholders; hospitalisation; financial return; perception and satisfaction.

DOI: 10.1504/IJEF.2025.147215

International Journal of Electronic Finance, 2025 Vol.14 No.3, pp.263 - 284

Received: 29 Apr 2023
Accepted: 09 Jul 2023
Published online: 14 Jul 2025 *

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