A Study on Factors of Risk Involved in Health Insurance among working class in India

Krishnekumaar St, Dr. K.S. MeenakshiSundaram


The purpose of this paper is to evaluate the factors of risk involved in Health Insurance among the working class in India . The study is the result of 93 samples taken on various factors from the working class in Chennai, Kolkata and Guwahati. There are various factors of Risk involved in Health Insurance business which has direct impact on the Insured viz., Solvency Margin of an Insurer, Increasing Claims, Dependant’s coverage, Tax Concessions and withdrawals, Discounts in premiums.  It is aimed at Solvency of Insurer in a various category of insurance, establishing the relations between Annual Income and Investment in Health Insurance, the role of TPA and Insurer, Cost escalation and Decrease in Discounts and Insurance under High Risk category viz., Senior Citizens and those who require nursing support including Down Syndrome.

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ISSN : 2251-1547