Linkage between Premium Collection Intensity and Performance Indicators – A Study on Selected Health Insurance Companies of India

Authors : Sudipta Chakraborty

Volume/Issue : Volume 7 - 2022, Issue 1 - January

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In recent years, health insurance sector has become one of the fastest growing sectors in India. India still offers a huge untapped market for health insurance. Thus, not only increasing numbers of general insurers, but some standalone health insurance companies have also penetrated into the industry, challenging others with better offers and wide array of services. The present study is an endeavour to fill up the existing research gap by testing the existence of linkage between the financial parameter (i.e.; dependent variable) ‘premium collection intensity’ and selected performance indicators (i.e.; independent variables), namely; ‘Incurred Claim Ratio’, ‘number of offices’, ‘market share’ and ‘number of policies issued’ over the five years i.e., from 2013-14 to 2017-18 by the six Standalone Health Insurance (SAHI) companies operating in India at present using multiple correlation analysis. The study is based on secondary data and the findings show that there is strong correlation between the dependent and independent variables and hence it can be concluded that premium collection intensity of the selected health insurance companies has significant degree of linkage with the performance indicators considered in the study.

Keywords : Health Insurance; Premium Collection Intensity; Performance Indicators; Linkage; SAHI Companies.


Paper Submission Last Date
30 - June - 2023

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