Perception of Manila Students About Health Insurance

Topics: Health insurance, Health economics, Health care Pages: 37 (8593 words) Published: March 11, 2015


PUP Manila Students’ Perception on Health Insurance and Security

Research Proposal Submitted
in partial fulfilment of the Requirements
for the course Public Opinion Research

by
Princess Ellen Grace M. Villafuerte
2012-05536-MN-0
Bachelor of Arts in Communication Research 3-1

First Semester, AY 2014-2015
CHAPTER 1
THE PROBLEM AND ITS BACKGROUND
Introduction
In a rapidly increasing healthcare costs, health insurance seem to be a must today. Health insurance is an agreement between the beneficiary and the insurance company. Plans are availed and in occasions of sicknesses and need for hospitalization, the insurance company will cover a fraction of the beneficiaries’ medical costs.

The Philippine government, in order to widen the scope of coverage in the country established PhilHealth, directed by the Republic Act 7875, or National Health Insurance Act of 1995. It is mandated to provide universal health insurance coverage and ensure affordable, acceptable, available and accessible health care services for all citizens of the Philippines (RA 7875). While the target of this established law is to provide health insurance for everyone, however, as of 2013, Philippines has only 81% of health insurance enrollees in their program (PMA questions… 2013). Despite such pace, evidences reveal that government health insurance is falling short of its equity goals, with lower enrolment among the poor. Only 21% in the poorest quintile have access to health insurance while access of the richest quintile is at 65% (Lago et al., 2013).

Furthermore, literature has identified a range of barriers and determinants known to influence enrolment, with a focus on demographic and socio-economic characteristics (Appia, et al., 2011). However, few studies have explored the perception on health insurance of students. Also, there are not many literatures that study the association of perception on health insurance enrolment, as well as the difference between the perception on health insurance of the insured and the uninsured people.

Against this background, this study used weighted mean to assess, evaluate and compare the perceptions of uninsured and the uninsured as they relate it to knowledge and the attitude on the health insurance and security in the Philippines. The data were gathered from the students of Polytechnic University of the Philippines, to be exact.

This study’s objective is to know the characteristics that affect people’s enrolment on health insurance. This will benefit both the health insurance beneficiaries and everyone because knowing the vital key characteristic on enrolling in a health insurance is important. Background of the Study

Health insurance is an agreement between the beneficiary and the insurance company. Plans are availed and in occasions of sickness and need for hospitalization, the insurance company will cover a fraction of the beneficiaries’ medical costs. In the Philippines, health insurance is not just a thing for the rich people. The Philippine government established a health insurance program called PhilHealth, directed by the Republic Act 7875, or National Health Insurance Act of 1995. It is mandated to provide universal health insurance coverage and ensure affordable, acceptable, available and accessible health care services for all citizens of the Philippines (RA 7875). The improvements on this program have been observed, from the percentage of Filipinos covered, to its quality and the satisfaction of people that are enrolled. Notably, on a study conducted last 2008, 38% of the population in the Philippines were enrolled in the program, a generally low percentage compared to what had to be done according to the mandated law. But as of 2013, 81% of Filipinos are enrolled in PhilHealth. Requiring this for employment has greatly contributed in the increase of the population of Filipinos availing health insurance. When it comes to the quality of the health insurance, an...

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