CHAPTER-IV

DATA ANALYSIS AND INTERPRETATION

ANALYSIS & INTERPRETATION

The term “analysis and interpretation” describes a methodical and critical analysis of the financial statements.
In addition to establishing a causal chain between the various financial statement components, it also accurately
portrays the financial data. The process of giving meaning to the information gathered, as well as determining
the conclusions, importance, and consequences of the findings, is known as data analysis and interpretation.

The method through whichh the data obtained during qualitative research is given context, and by which the
information that has emerged is applied to the issues faced by employees individual planning. Procedures of
reviewing and immersing themselves in the data as well as through complicated actions of structuring, re-
framing, or other investigating it.

Data analysis is the process of cleaning, transforming, and modelling the data to find relevant information for
business decision-making. The goal of data analysis is to draw out relevant information from the gathered data
and make judgments based on the analysis. Once the data has been gathered, purified, and processed, it should
be analysed using the proper statistical methods. The data must then be simply explained in words or in tables
and charts after being thoroughly examined. Percentage analysis has been used to analyse the basic data that
was gathered. It entails using the outcomes of data analysis to draw conclusions from relations research. It is
clear that data interpretation is crucial, and as such, it must be done correctly. In order to facilitate this process,
research has found certain data interpretation techniques.
Simple Percentage Analysis
Simple percentage analysis is carried out for most of all the questions gives in questionnaire. This analysis
describes the classification of the respondents falling in each category. Through the use of percentages, the data
are reduced in the standard form with base equal to 120 respondents, which fact facilities relative comparisons
FORMULA:
Percentage analysis = No. of respondents
------------------------------ *100
Total No. of respondent.

It is one of the simple forms of analysis which is very easy for everyone to understand the outcome of the
research. It is normally used by commercial research Organization.
Ranking Analysis
Based on the data given by the respondents the average rank is calculated and the first rank is given for the
highest mean score and the least rank is given to the lowest mean score. Thus “Higher the mean score, higher
is the priority”. The results are presented in the table with appropriate interpretation.
 THE TABLE SHOWING THE AGE OF THE RESPONDENTS
TABLE - 4.1.1
AGE GROUP RESPONDENT PERCENTAGE
18-30 112 60.5
31-40 37 20.0
41-50 27 14.6
Above 60 9 4.9
Total 185 100.0
SOURCE: Primary Data
INTERPRETATION: From the above table 60.5% of the respondents are in between the age 18-30 and 20.0%
of the respondents are 31-40 and 14.6% of the respondents are 41-50 and 4.9% are above 50 ages.

INFERENCE: Majority 60.5% of the responses are between age 18-30.

THE CHART SHOWING THE AGE OF THE RESPONDENTS
TABLE - 4.1.1

AGE GROUP
18-30 31-40 41-50 Above 60

5%
15%

20%
60%
 THE TABLE SHOWING THE GENDER OF THE RESPONDENTS
TABLE - 4.1.2

GENDER RESPONDENT PERCENTAGE

Male 85 45.95
Female 100 54.05
Total 185 100.00
SOURCE: Primary Data
INTERPRETATION: From the above table 45.95% of the respondents are male and the 54.05% of the
respondents are female.

INFERENCE: Majority 54.05% of the responses are female.

 THE CHART SHOWING THE GENDER OF THE RESPONDENTS
CHART - 4.1.2

GENDER
56.00

54.00

52.00

50.00

48.00

46.00

44.00

42.00

40.00
Percentage

male female
 THE TABLE SHOWING THE AREA OF RESIDENCE OF THE RESPONDENTS
TABLE - 4.1.3

AREA OF RESIDENCE RESPONDENT PERCENTAGE

Rural 164 88.65
Semi rural 1 0.54
Urban 8 4.32
Semi urban 12 6.49
Total 185 100.00

SOURCE: Primary Data

INTERPRETATION: From the above table 88.65% of the respondents are from rural and 0.54% of the
respondents are from semirural 4.32% of the respondents are from urban and 6.49% of the respondents are from
semi urban.

INFERENCE: Majority 88.65% of the responses are from rural.

THE CHART SHOWING THE AREA OF RESIDENCE OF THE RESPONDENTS

CHART - 4.1.3

AREAOF RESIDENCE

100.00 88.65

50.00
0.54
0.00 4.32
6.49
rural Percentage
semi rural
urban
semi urban

Percentage
 THE TABLE SHOWING THE EDUCATION QUALIFICATION OF THE RESPONDENTS
TABLE - 4.1.4

EDUCATIONAL QUALIFICATION RESPONDENT PERCENTAGE

Degree 71 38.38
Post Graduate 64 34.59
School 29 15.68
Professional 18 9.73
College 1 0.54
Under Graduate 2 1.08
Total 185 100.00

SOURCE: Primary Data

INTERPRETATION: From the above table 38.38% of the respondents are degree and the 34.59% of the
respondents are post graduate and 15.68% of the respondents are school and 9.73% of the respondents are
professional and 0.54% of the respondents are college and 1.08% of the respondents are under graduate.

INFERENCE: Majority 38.38% of the responses are degree.

THE CHART SHOWING THE EDUCATION QUALIFICATION OF THE RESPONDENTS
CHART - 4.1.4

EDUCATIONAL QUALIFICATION
0.54 1.08

9.73

15.68 38.38

34.59

Degree Post Graduate School Professional College Under Graduate

 THE TABLE SHOWING THE EMPLOYMENT OF THE RESPONDENTS
TABLE - 4.1.5
EMPLOYMENT RESPONDENT PERCENTAGE
Agriculture 22 11.89
Self Employed/Business 37 20.00
Practicing Professional 42 22.70
Private Organization Service 52 28.11
Government service 24 12.97
Other 8 4.32
Total 185 100.00

SOURCE: Primary Data

INTERPRETATION: From the above table 28.11% of the respondents are from private organization service
and 22.70% of the respondents are from practicing professional and 20% of the respondents are from self
employed/business and 12.97% of the respondents are from government service and 11.89% of the respondents
are from agriculture.

INFERENCE: Majority 28.11% of the responses are from private organization service.
 THE CHART SHOWING THE EMPLOYMENT OF THE RESPONDENTS
CHART - 4.1.5

EMPLOYMENT
30.00

25.00

20.00

15.00

10.00

5.00

0.00
 THE TABLE SHOWING THE MARITAL STATUS OF THE RESPONDENTS
TABLE - 4.1.6

MARITAL STATUS RESPONDENT PERCENTAGE

Married 106 57.30

Un married 79 42.70

Total 185 100

SOURCE: Primary Data
INTERPRETATION: From the above table 57.30% of the respondents are married and the 42.70% of the
respondents are un married.

INFERENCE: Majority 57.30% of the responses are married.

THE CHART SHOWING THE MARITAL STATUS OF THE RESPONDENTS
CHART - 4.1.6

MARITAL STATUS
70.00

60.00

50.00

40.00

30.00

20.00

10.00

0.00
Percentage

Unmarried Married
 THE TABLE SHOWING THE MONTHLY INCOME OF THE FAMILY
TABLE - 4.1.7

MONTHLY INCOME OF THE FAMILY RESPONDENT PERCENTAGE

Less than Rs 5000/- 13 7.03
Rs5001-10000 41 22.16
Rs 10001-21000 58 31.35
Rs 25000-50000 55 29.73
Above Rs 50000 18 9.73
TOTAL 185 100

SOURCE: Primary Data

INTERPRETATION: From the above table 31.35% of the respondend salary is between Rs 10001-21000 and
29.73% of the respondend salary is between Rs 25000-50000 and 22.16% of the respondend salary is between
Rs 5001-10000 and 9.73% of the respondend salary is between Rs Above Rs 50000 7.03% of the respondend
salary is between Rs Above Rs 50000

INFERENCE: Majority 31.35% of the respondend salary is between Rs 10001-21000.

 THE TABLE SHOWING THE MONTHLY INCOME OF THE FAMILY
TABLE - 4.1.7

Monthly Income of the family

35.00

30.00

25.00

20.00

15.00

10.00

5.00

0.00
Less than Rs 5000/- Rs5001-10000 Rs 10001-21000 Rs 25000-50000 Above Rs 50000
THE TABLE SHOWING NO. OF DEPENDENT OF FAMILY MEMBERS OF THE RESPONDENTS
TABLE - 4.1.8
NO OF DEPENDENT FAMILY MEMBERS RESPONDENT PERCENTAGE
1 49 26.49
2 89 48.11
>2 47 25.41
TOTAL 185 100

SOURCE: Primary Data

INTERPRETATION: From the above table 48.11% of the respondents dependent family members are 2 and
26.49% of the respondents dependent family members are 1 and 25.41% of the respondents are above 2.

INFERENCE: Majority 48.11% of the responses are from 2 dependent family members.
THE CHART SHOWING THE NO.OF DEPENDENT FAMILY MEMBERS OF THE RESPONDENTS

TABLE - 4.1.8

No of dependent family members

47 49

89

1 2 >2
 THE TABLE SHOWING THE AVERAGE MONTHLY MEDICAL EXPENSES OF THE FAMILY

TABLE - 4.1.9

AVERAGE MONTHLY MEDICAL EXPENSE OF THE FAMILY RESPONDENT PERCENTAGE

UPTO 500 26 14.05
501-1000 77 41.62
1001-2000 64 34.59
ABOVE 2000 18 9.73
TOTAL 185 100

SOURCE: Primary Data

INTERPRETATION: From the above table 41.62% of the respondend average medical expenses is 501-1000
and 34.59% of the respondend average medical expenses is 1001-2000 and 14.05% of the respondend average
medical expenses is UPTO-500 and 9.73% of the respondend average medical expenses is Above 2000

INFERENCE: Majority 41.62% of the respondend average medical expenses is 501-1000.

THE CHART SHOWING THE AVERAGE MONTHLY MEDICAL EXPENSES OF THE FAMILY

TABLE - 4.1.9

Average monthly medical expense of the family

45.00 41.62

40.00
34.59
35.00

30.00

25.00

20.00
14.05
15.00
9.73
10.00

5.00

0.00
UPTO 500 501-1000 1001-2000 ABOVE 2000
 THE TABLE SHOWING THE ABOUT HEALTH INSURANCE POLICY
TABLE - 4.1.10

DID YOU HEAR ABOUT HEALTH

INSURANCE POLICY? RESPONDENT PERCENTAGE
YES 156 84.32
NO 29 15.68
TOTAL 185 100
SOURCE: Primary Data
INTERPRETATION: From the above table 84.32% of the respondents are heard about HI policy and 15.68%
of the respondents are not heard about HI policy.

INFERENCE: Majority 84.32% of the responses are heard about HI policy.

THE CHART SHOWING THE ABOUT HEALTH INSURANCE POLICY
CHART - 4.1.10

Did you heard about health insurance policy?

15.68

84.32

YES NO
 THE TABLE SHOWING THE CHALLENGES OR DIFFICULTIES HAVE YOU FACED, IF ANY,
WHILE USING THIS SCHEME

TABLE - 4.1.11
NAME THE SOURCES WHERE YOU GET THE
INFORMATION ON HEALTH INSURANCE RESPONDENT PERCENTAGE
Newspaper Advertisement 16 8.65
Friends & relatives 35 18.92
Insurance agent 63 34.05
Company Brouchers/events 33 17.84
Internet 19 10.27
Hospitals 18 9.73
No where 1 0.54
TOTAL 185 100

SOURCE: Primary Data

INTERPRETATION: From the above table 34.05% of the respondend sources where they get the information
on health insurance is Insurance agent and 17.84% of the respondend sources where they get the information
on health insurance is Company Brouchers/events and 18.92% of the respondend sources where they get the
information on health insurance is Friends & relatives and 10.27% of the respondend sources where they get
the information on health insurance is Internet and 8.65% of the respondend sources where they get the
information on health insurance is Newspaper Advertisement and 9.73% of the respondend sources where they
get the information on health insurance is Hospitals and 0.54% of the respondend sources where they get the
information on health insurance is No where.

INFERENCE: Majority 41.62% of the respondend average Medical expenses is 501-1000.

THE TABLE SHOWING THE CHALLENGES OR DIFFICULTIES HAVE YOU FACED, IF ANY,
WHILE USING THIS SCHEME

CHART - 4.1.11

Name three sources where you get the information on health

insurance

0.54

9.73 8.65

10.27
18.92

17.84

34.05

Newspaper Advertisement Friends & relatives Insurance agent

Company Brouchers/events Internet Hospitals
No where
 THE TABLE SHOWING THE IMPROVE AWARENESS AND PARTICIPATION IN HEALTH
INSURANCE SCHEMES IN YOUR COMMUNITY

TABLE - 4.1.12

WHAT CAN BE DONE TO IMPROVE AWARENESS AND

PARTICIPATION IN HEALTH INSURANCE SCHEMES IN
YOUR COMMUNITY? RESPONDENT PERCENTAGE
Community Workshop 41 22.16
Local Partnership 58 31.35
Door-to-Door Campaigns 46 24.86
Cultural Sensitivity 28 15.14
Youth Engagement 12 6.49
Total 185 100

SOURCE: Primary Data

INTERPRETATION: From the above table 31.35% of the respondents improve awareness and participation
in health insurance schemes in your community is Local Partnership and 24.86% of the respondents improve
awareness and participation in health insurance schemes in your community is Door-to-Door Campaigns and
22.16% of the respondents improve awareness and participation in health insurance schemes in your community
is Community Workshop and 15.14% of the respondents improve awareness and participation in health
insurance schemes in your community is Cultural Sensitivity and 6.49% of the respondents improve awareness
and participation in health insurance schemes in your community is Youth Engagement.

INFERENCE: Majority 31.35% of the respondents improve awareness and participation in health insurance
schemes in your community is Local Partnership.
 THE CHART SHOWING THE REASONS HOW LONG HAVE YOU BEEN A
CUSTOMER OF YOUR CURRENT HEALTH INSURANCE COMPANY

CHART - 4.1.12

What can be done to improve awareness and participation in

health insurance schemes in your community?

Youth Engagement

Cultural Sensitivity

Door-to-Door Campaigns

Local Partnership

Community Workshop

0.00 5.00 10.00 15.00 20.00 25.00 30.00 35.00

Level of awareness about the CM Health Insurance scheme.The customer level of satisfaction towards CM
Health Insurance companies and the settlement of claims, where respondents indicate their satisfaction
levels.
FACTORS HIGHLY SATISFIED NEUTRAL DISAGREE HIGHLY TOTAL RANK
SATISFIED (4) (3) (2) DISAGREE
(5) (1)
Knowledge 66(5) 73(4) 35(3) 8(2) 3(1) 894 I
about the 330 292 105 160 3
existence of
the CM Health
insurance
scheme.
Understanding 18(5) 118(4) 35(3) 8(2) 6(1) 689 II
of the benefits 90 472 105 16 6
provided by
the CM Health
Insurance
scheme.
Awarness of 31(5) 81(4) 52(3) 15(2) 6(1) 631 VI
the enrollment 115 324 156 30 6
process for the
CM Health
Insurance
scheme.
Familiarity 26(5) 86(4) 43(3) 23(2) 7(1) 656 IV
with specific 130 344 129 46 7
details about
coverage
under the CM
Health
Insurance
scheme.
Aware of the 42(5) 76(4) 37(3) 24(2) 6(1) 679 III
eligibility 210 304 111 48 6
criteria for
enrollment in
these health
insurance
schemes
How do you 28(5) 90(4) 25(3) 24(2) 18(1) 641 V
think 140 360 75 48 18
awareness and
access to
health
insurance
schemes could
be improved
in rural areas?
 THE TABLE SHOWING THE FACTORS INFLUENCED YOUR DECISION TO OPT FOR THIS
HEALTH INSURANCE SCHEME

TABLE - 4.1.14
Factors influenced your decision to opt for this
health insurance scheme Respondent Percentage
Coverage offered 45 24.32
Premium cost 56 30.27
Network of hospitals/health care providers 63 34.05
Ease of Availing benefits 21 11.35
Total 185 100

SOURCE: Primary Data

INTERPRETATION: From the above table 34.05% of the Factors influenced your decision to opt is Network
of hospitals/health care providers and 30.27% of the Factors influenced your decision to opt is Premium Cost
and 24.32% of the Factors influenced your decision to opt is Coverage offered Cost and 11.35% of the Factors
influenced your decision to opt is Ease of Availing benefits

INFERENCE: Majority 34.05% of the Factors influenced your decision to opt is Network of hospitals/health
care providers.
THE CHART SHOWING THE FACTORS INFLUENCED YOUR DECISION TO OPT FOR THIS
HEALTH INSURANCE SCHEME

TABLE - 4.1.14

Factors influenced your decision to opt for this health

insurance scheme

40.00

20.00

0.00
 THE TABLE SHOWING THE CHALLENGES OR DIFFICULTIES HAVE YOU FACED, IF ANY,
WHILE USING THIS SCHEME

TABLE - 4.1.3

Challenges or difficulties have you faced, if any,

while using this scheme? Respondent Percentage
Difficulty in finding healthcare providers 37 20
Limited coverage for certain medical conditions or
treatments. 69 37.30
Limited accessibility to health care facilities in rural or
remote areas 53 28.65
Challenges in renewing or updating the insurance
policy. 26 14.05
Total 185 100

SOURCE: Primary Data

INTERPRETATION: From the above table 37.30% of the challenges or difficulties have you faced is Limited
coverage for certain medical conditions or treatments and 28.65% of the challenges or difficulties have you
faced is Limited accessibility to health care facilities in rural or remote areas and 28.65% of the challenges or
difficulties have you faced is Difficulty in finding healthcare providers and 14.05% of the challenges or
difficulties have you faced is renewing or updating the insurance policy.

INFERENCE: Majority 37.30% of the challenges or difficulties have you faced is Limited coverage for certain
medical conditions or treatments
THE TABLE SHOWING THE CHALLENGES OR DIFFICULTIES HAVE YOU FACED, IF ANY,
WHILE USING THIS SCHEME

CHART-4.1.15

Challenges or difficulties
Series1

40
37.30
35
30 28.65
25
20 20
15 14.05
10
5
0
Difficulty in finding Limited coverage for Limited accessibility to Challenges in renewing
healthcare providers certain healthcarefacilities in or updating
medicalconditions or rural or remote areas theinsurance policy.
treatments.
 THE TABLE SHOWING THE FACTORS WHICH COULD IMPROVE AWARENESS ABOUT
HEALTH INSURANCE SCHEMES IN RURAL AREAS

TABLE - 4.1.16

FACTORS DO YOU THINK COULD IMPROVE AWARENESS

ABOUT HEALTH INSURANCE SCHEMES IN RURAL AREAS RESPONDENT PERCENTAGE
More government outreach programs and awareness campaigns. 39 21.08

Simplified information and education materials about the schemes. 62 33.51

Involvement of local community leaders and organizations in
spreading awareness. 48 25.95
Better access to healthcare facilities and information centers in rural
areas. 23 12.43

Subsidized or free enrolment options for low-income families. 13 7.03

Total 185 100

SOURCE: Primary Data

INTERPRETATION: From the above table 33.51% of the respondents are aware on Simplified information
and education materials about the schemes and 25.95% of the respondents are aware on Involvement of local
community leaders and organizations in spreading awareness and 21.08 % of respondents are More government
outreach programs and awareness campaigns and 12.43% are aware on better access to healthcare facilities and
information centers in rural areas and 7.03% are aware on Subsidized or free enrolment options for low-income
families.

INFERENCE: Majority 33.51% of the responses are asked to improve awareness on Simplified information
and education materials about the schemes.
THE CHART SHOWING THE FACTORS WHICH COULD IMPROVE AWARENESS ABOUT
HEALTH INSURANCE SCHEMES IN RURAL AREAS

CHART - 4.1.16

Chart Title
40.00
33.51
30.00 25.95
21.08
20.00
12.43
10.00 7.03

0.00
1

More government outreach programsand awareness campaigns.

Simplified information and educationmaterials about the schemes.
Involvement of local community leaders and organizations in spreading awareness.
Better access to healthcare facilities andinformation centers in rural areas.
Subsidized or free enrollment options forlow-income families.
 THE TABLE SHOWING THE IMPORTANT REASON, TO TAKE A HI POLICY

TABLE - 4.1.17

Most important reason, why you think you should take a HI policy Respondent Percentage
To protect from rising cost of healthcare 41 22.16
Tax benefits 34 18.38
Attractive schemes area available 35 18.92
Expecting health problems 34 18.38
Better healthcare for family 22 11.89
Covers big expenses 19 10.27
Total 185 100

SOURCE: Primary Data.

INTERPRETATION: From the above table 22.16% of the respondents reason to take a HI Policy is To protect
from rising cost of healthcare and 18.92% of the respondents reason to take a HI Policy is Attractive schemes
area available and 21.08 % of respondents are More government out reach programs and awareness campaigns
and 12.43% are aware on better access to healthcare facilities and information centers in rural areas and 7.03%
are aware on Subsidized or free enrolment options for low-income families.

INFERENCE: Majority 22.16% of the respondents reason to take a HI Policy is To protect from rising cost of
healthcare.
 THE CHART SHOWING THE IMPORTANT REASON, TOTAKE A HI POLICY

CHART - 4.1.17

Most important reason, why you think you should take a HI policy
25.00 22.16

18.38 18.92 18.38

20.00

15.00
11.89
10.27
10.00

5.00

0.00
To protect from Tax benefits Attractive schemes Expecting Better healthcare Covers big expenses
risingcost of areavailable healthproblems forfamily
healthcare

Series1
 THE TABLE SHOWING THE REASONS FOR NOT ENROLLING IN A HEALTH INSURANCE
SCHEME

TABLE - 4.1.18

What are the reasons for not enrolling

in a health insurance scheme Respondent Percentage
Lack of Information 48 25.95
Affordability 76 41.08
Trust issues 61 32.97
Total 185 100
SOURCE: Primary Data
INTERPRETATION: From the above table 41.08% of the respondents reason for not enrolling HI Policy is
Affordability and 32.97% of the respondents reason for not enrolling a HI Policy is Trust issues and 25.95% of
respondents are not enrolling in a health insurance scheme due to lack of Information.

INFERENCE: Majority 41.08% of the respondents reason for not enrolling HI Policy is Affordability.
THE CHART SHOWING THE REASONS FOR NOT ENROLLING IN A HEALTH INSURANCE
SCHEME

CHART - 4.1.18

What are the reasons for not enrolling in a health insurance

scheme

50.00

40.00

30.00

20.00

10.00

0.00
Lack of Information Affordability Trust Issues

Series1
 THE TABLE SHOWING THE HOW LONG HAVE YOU BEEN A CUSTOMER OF YOUR
CURRENT HEALTH INSURANCE COMPANY

TABLE - 4.1.19

HOW LONG HAVE YOU BEEN A CUSTOMER OF YOUR

CURRENT HEALTH INSURANCE COMPANY RESPONDENT PERCENTAGE
Less than 1 year 43 23.24
1-3 years 78 42.16
3-5 years 52 28.11
More than 5 years 12 6.49
Total 185 100

SOURCE: Primary Data

INTERPRETATION: From the above table 42.16% of the respondents period is between 1-3 years and 28.11%
of the respondents period is between 3-5years and 23.24% of respondents
Less than 1 year and 6.49% of the respondents period are more than 5 years.

INFERENCE: Majority 42.16% of the respondents period is between 1-3 years.

THE CHART SHOWING THE REASONS HOW LONG HAVE YOU BEEN A
CUSTOMER OF YOUR CURRENT HEALTH INSURANCE COMPANY

CHART - 4.1.19

How long have you been a customer of your current

health insurance company

6.49

23.24

28.11

42.16

Less than 1 year 1-3 years 3-5 years More than 5 years
THE TABLE SHOWING THE CUSTOMER LEVEL OF SATISFACTION TOWARDS CM HEALTH
INSURANCE COMPANIES AND THE SETTLEMENT OF CLAIMS

TABLE - 4.1.20

FACTORS HIGHLY SATISFIED NEUTRAL DISAGREE HIGHLY TOTAL RANK

SATISFIED (4) (3) (2) DISAGREE
(5) (1)
Overall 67(5) 91(4) 19(3) 5(2) 3(1) 769 I
Satisfication 335 364 57 10 3
with CM
Health
insurance
Clarity in the 24(5) 124(4) 28(3) 6(2) 3(1) 715 II
claims process 120 496 84 12 3

Speed of 31(5) 91(4) 48(3) 9(2) 6(1) 687 V

claims 155 364 144 18 6
settlement
Transparency 22(5) 90(4) 48(3) 18(2) 7(1) 457 IX
in handling 110 360 144 36 7
claims
Responsiveness 33(5) 83(4) 41(3) 19(2) 9(1) 657 VII
of customer 165 322 123 38 9
service
Ease of 31(5) 90(4) 35(3) 22(2) 7(1) 471 VIII
reaching 155 360 105 44 7
customer
support (phone,
email, online
chat)
Regular 38(5) 84(4) 41(3) 18(2) 4(1) 689 IV
updates on the 190 336 123 36 4
status of your
claims
Satisfaction 29(5) 101(4) 36(3) 10(2) 9(1) 686 VI
with the 145 404 108 20 9
coverage
provided
Satisfaction 34(5) 97(4) 36(3) 11(2) 7(1) 695 III
with additional 170 388 108 22 7
benefits
 THE TABLE SHOWING THE COVERAGE FEATURES ARE MOST
IMPORTANT TO YOU IN A HEALTH INSURANCE POLICY

TABLE - 4.1.21

Coverage features are most

important to you in a health insurance policy Respondent Percentage
Hospitalization coverage 30 16.22
Outpatient services 45 24.32
Prescription medication coverage 49 26.49
Maternity benefits 41 22.16
Dental and vision coverage 20 10.81
Total 185 100

SOURCE: Primary Data

INTERPRETATION: From the above table 26.49% of the respondents coverage feature is Prescription
medication coverage and 24.32% of the respondents coverage feature is Outpatient services and 22.16% of the
respondents coverage feature is Maternity benefits and 16.22% of the respondents coverage feature is
Hospitalization coverage and 10.81% of the respondents coverage feature is Dental and vision coverage.

INFERENCE: Majority 26.49% of the respondents coverage feature is Prescription medication coverage
THE CHART SHOWING THE REASONS HOW LONG HAVE YOU BEEN A
CUSTOMER OF YOUR CURRENT HEALTH INSURANCE COMPANY

CHART - 4.1.21

Coverage features are most

important to you in a health insurance policy

10.81
16.22

22.16

24.32

26.49

HospitalizationCoverage Outpatient Services Prescription MedicationCoverage

Maternity Benefits Dental and VisionCoverage
 THE TABLE SHOWING THE RANK YOUR LEVEL OF AGREEMENT ON A SCALE.

TABLE - 4.1.22

FACTORS HIGHLY SATISFIED NEUTRAL DISAGREE HIGHLY TOTAL WEITHED

SATISFIED (4) (3) (2) DISAGREE RANKING
(5) (1)
Health insurance 66(5) 90(4) 14(3) 7(2) 8(1) 754 4.07
helps in covering 330 360 42 14 8
medical expenses.
Health insurance can 22(5) 133(4) 20(3) 7(2) 3(1) 719 3.88
provide financial 110 532 60 14 3
support during a
medical emergency.
Health insurance is 42(5) 81(4) 45(3) 13(2) 4(1) 699 3.77
beneficial for 210 324 135 26 4
preventive healthcare
measures.
Believing that health 14(5) 96(4) 49(3) 25(2) 1(1) 652 3.52
insurance is 70 384 147 50 1
important for
financial security.
The government 39(5) 75(4) 40(3) 18(2) 13(1) 664 3.58
should provide more 195 300 120 36 13
information about
health insurance in
rural areas.
how would you rate 19(5) 107(4) 30(3) 21(2) 8(1) 663 3.58
you’re knowledge 95 428 90 42 8
about the benefits
offered by the health
insurance scheme?
Are you aware of 47(5) 90(4) 27(3) 12(2) 9(1) 709 3.83
CM health insurance 235 360 81 24 9
scheme provided by
Government of Tamil
Nadu.
THE TABLE SHOWING THE MOST USED SOURCE OF FUND FOR MEETING YOUR MEDICAL
EXPENSES

TABLE - 4.1.23

The most used source of fund for meeting your

medical expenses Respondent Percentage
Free medical service from government. 43 23.24
Own savings 54 29.19
Paid by employer/company. 52 28.11
Health insurance 36 19.46
Total 185 100

SOURCE: Primary Data

INTERPRETATION: From the above table 29.19% of the respondents most used source of fund for meeting
medical expenses Own savings and 28.11% of the respondents most used source of fund for meeting medical
expenses is Paid by employer/company and 19.46% of the respondents most used source of fund for meeting
medical expenses is Health insurance.

INFERENCE: Majority 29.19% of the respondents most used source of fund for meeting medical expenses
Own savings.
THE CHART SHOWING THE REASONS HOW LONG HAVE YOU BEEN A
CUSTOMER OF YOUR CURRENT HEALTH INSURANCE COMPANY

CHART - 4.1.23

The most used source of fund for meeting your medical

expenses.

19.46
23.24

28.11
29.19

Free medical service Own savings Paid by employer/company. Health insurance

from government.
 THE TABLE SHOWING THE PREFERENCE TO ACCESS PLAN INFORMATION

TABLE - 4.1.24

The preference to access plan information Respondent Percentage

Mobile app 52 28.10
Advisor 50 27.02
Online portal 67 36.21
Social media 16 8.64
Total 185 100

SOURCE: Primary Data

INTERPRETATION: From the above table 36.21% of the respondents preference to access plan information
through Online portal and 28.10% of the respondents preference to access plan information is Mobile app and
27.02% of the respondents preference to access plan information through advisor and 8.64% of the respondents
preference to access plan information through Social Media.

INFERENCE: Majority 36.21% of the respondents preference to access plan information through Online
portal.
THE CHART SHOWING THE PREFERENCE TO ACCESS PLAN INFORMATION

CHART - 4.1.24

The preference to access plan information

40

30

20

10

0
Mobile app Advisor. Online Portal Social media