Systematic Review of Factors Influencing the Demand for Medical and Health Insurance in Malaysia
- Author:
Ellyana Mohamad Selamat
1
Author Information
1. Department of Community Health, Faculty of Medicine, National University of Malaysia, Cheras, Malaysia.
- Collective Name:Siti Rasidah Abd Ghani; Nurcholisah Fitra
- Publication Type:Review
- Keywords:
Health insurance;
Medical insurance;
Willingness to pay;
Demand
- From:International Journal of Public Health Research
2020;10(2):1242-1250
- CountryMalaysia
- Language:English
-
Abstract:
Medical and health insurance provides financial protection against the
consequences of the occurrences of health risks. Different perceptions have led
to resistance to change, as well as the acceptance level from Malaysians. It is
fundamental to study the reception and acceptance of all types of insurance
schemes by Malaysians and to identify the knowledge and information
pertaining to reception by Malaysians.
Methods A systematic search was performed from six major search engines from 2013–
2018 in searches of published articles on factors that influence the demand or
willingness to pay for health insurance among Malaysians. There were nine
articles included, in which personal factor was found to influence the most
when demanding for health insurance.
Results Higher education level, younger age group, and good knowledge were
associated with higher demand for health insurance. Higher household
monthly income and the cost to pay were among the positively significant
economic determinant factors to demand for medical insurance.
Conclusions Education and promotion are important to understand why such policies were
introduced and how they intend to serve the public before implementing major
policies. These elements capture the essence of ‘health promotion’, which is
about enabling people to take control over their health and thereby, improving
their health.
.
- Full text:21.2020my0242.pdf
