Health insurance gives the opportunity for people to
finance their medical care so that they can alleviate some
of their financial pressure.
The objectives are to estimate the health
expenditure incurred by the teaching faculty and their
households and assess the factors influencing those who
have not subscribed to health insurance.
Materials and Methods:
A total of 150 teaching faculty of various institutes
of a private university of 21–70 years age group were
interviewed with the help of a pretested, semi‑structured
Most of the faculty members (86.6%) spent ₹1 - ₹500
for doctor fees and diagnostics and around half the
respondents (52%) spent ₹1 - ₹500 on medicines. Chi
square test was performed and revealed that gender, age,
marital status and health expenditure (Doctor Fees,
Medicines) had a significant association with regard to
non-insured respondents. (p<0.05)
Different income and social groups have a different
understanding and expectations regarding health
insurance in India. It is important that we increase the
awareness of the public with regard to the benefits of
Keywords : Health Insurance, Teaching Faculty, Private University, Health Expenditure, Chi Square Test.