• Manish Kumar

Healthy citizen is the first and foremost requirement of a strong nation. Health Insurance is an emerging sector in Bihar. At first mediclaim policy was launched in1986, growth speed up from 1991and drastic change has been made by the Ayushman Bharat scheme but still there is a vast scope of improvement in this sector. The present work attempts to assess individuals about the awareness, challenges and preferences regarding Health Insurance in Bihar. It is needed by all but a handful of the population enjoys it. The health budget of the state in 2017-18,18-19,and 19-20 were 4.4%, 4.3% and 4.8% of the state budget respectively while the average health budget of all states was 5.3%. It shows that Bihar has the lowest budget provision. That was why NITI Aayog declared in 2019, that Bihar is the least healthy performing state in India. Lack of awareness is due to the fact that more than 80% of people living in rural areas are unaware about it, they are unable to approach agents. If one wishes to avail, he fined that premium amount is not affordable. For greater awareness regarding health insurance in the state insurance companies and the state govt both have to exercise a lot of change in their efforts. Health insurance needs to be mandatory in the state.

HEALTH INSURANCE AWARENESS LEVEL AMONG THE PEOPLE OF BIHAR IS VERY LOW ‘AN EMPERICAL STUDY’

"HEALTH INSURANCE AWARENESS LEVEL AMONG THE PEOPLE OF BIHAR IS VERY LOW ‘AN EMPERICAL STUDY’ ", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.7, Issue 8, page no.1689-1694, August-2020, Available :http://www.jetir.org/papers/JETIR2008221.pdf

"HEALTH INSURANCE AWARENESS LEVEL AMONG THE PEOPLE OF BIHAR IS VERY LOW ‘AN EMPERICAL STUDY’ ", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.7, Issue 8, page no. pp1689-1694, August-2020, Available at : http://www.jetir.org/papers/JETIR2008221.pdf