A STUDY ON THE AWARENESS LEVEL AND ATTITUDE LEVEL OF THE CLIENTS

TOWARDS THE COMMUNITY BASED MICRO HEALTH INSURANCE

(WITH SPECIAL REFERENCE TO PRATAPGARH DISTRICT)

FIELD WORK REPORT

SUBMITTED IN PARTIAL FULFILLMENT OF THE REQUIREMENT FOR THE

DEGREE OF MASTER OF SOCIAL WORK

GUIDED BY: SUBMITTED BY:

SWARUP DATTA ASHISH PANDEY (2010MW10)

RESEARCH OFFICER SANJEET KUMAR MARANDI (2010MW09)

BAIF INSTITUTE FOR RURAL DEVELOPMENT V.S.N.BHARADWAJ (2010MW05)

DEPARTMENT OF HUMANITIES AND SOCIAL SCIENCES

MOTILAL NEHRU NATIONAL INSTITUTE OF TECHNOLOGY

ALLAHABAD-211001 U.P. (INDIA)

CERTIFICATE

TO WHOM SO EVER IT MAY CONCERN

This is to certify that the work contained in the Field Survey Report entitled “A STUDY

ON THE AWARENESS LEVEL AND ATTITUDE LEVEL OF THE CLIENTS

TOWARDS THE COMMUNITY BASED MICRO HEALTH INSURANCE” by the

students of Master of Social Work (MSW) named Asish Pandey, Sanjeet kumar Marandi

and V.S.N.Bharadwaj have been carried out under my supervision and this work has not

been submitted elsewhere for a degree purpose.

SWARUP DATTA,

RESEARCH OFFICER,

BAIF INSTITUTE FOR RURAL DEVELOPMENT,

PRATAPGARH DISTRICT,

UTTAR PRADESH.

INDEX

S. No CONTENT PAGE. NO

1. ABSTRACT 1

2. INTRODUCITON 2

3. RESEARCH METHODOLOGY 5

4. SAMPLING 7

5. LIMITATIONS 8

6. DATA ANALYSIS 9

7. FACTS AND FINDINGS 22

8. INTERPRETATION 23

9. CONCLUSION 24

10. RECOMMENDATIONS & SUGGESTIONS 25

ANNEXURE – I 26

ANNEXURE – II 30

PREFACE

The main goal of the project is to make “A Study on the Awareness level and

Attitude level of the clients towards the Community Based Micro Health

Insurance”. The reason for taking up this project is to know the awareness and attitude

levels of the clients towards Insurance and need towards it. There is a need to compare the

awareness and attitude level of the clients towards Insurance and also the need and actual

risks that are being facing by the clients particularly in Treatment and Control Groups. Both

the groups are mandatory. So, I tried to know the clients Attitude and Awareness level

between the Treatment group and Control Group.

ACKNOWLEDGEMENTS

I am highly grateful to Prof. Peeush Ranjan Agrawal, Head, Department of Humanities and

Social Sciences for his prompt guidance and help in completing the project.

I am thankful to our guide Dr. Rajesh Kumar Shastri, Assistant Professor Department of

Humanities and Social Sciences. He gave us useful and valuable suggestions about the topic

and taught us various methods to make this report more effective and better. We are highly

indebted to his for his valuable suggestions.

I would also like to thank Mr. Swarup Datta, Research Officer for his great cooperation. I am

also thankful to all the members of Human Resource Development, BAIF, Allahabad.

I am also highly grateful to other faculty members of Department of Humanities and Social

Sciences for their kind support and able guidance.

Last but not the least; I am also very thankful to my parents and our friends without whom

this report would not have been successful. They helped us in collecting data and analysis of

data as well as provided subject matter related to the project.

Date:

V.S.N.BHARADWAJ

SANJEET KR MARANDI

ASISH PANDEY

ABSTRACT

This report examines the awareness, attitude levels of the Clients towards Insurance with

respect to Villages near by Pratapgarh District, Uttar Pradesh. The Research is based on

household level primary data collected from both the Insurance policy and Non-policy

holders. The results show the comparison of awareness, attitude and assessment of Insurance

need based on actual risks between the Treatment and Control group. The t-test is used as a

tool for better results between the groups in order to fulfill the objectives.

INTRODUCTION

BAIF Development Research Foundation is a professionally managed non-profit Public

Trust, established by a noted Gandhian, Late Dr. Manibhai Desai in 1967, to promote

sustainable livelihood in Rural India. BAIF Development Research Foundation (formerly, the

Bharatiya Agro Industries Foundation) was founded in 1967. The foundation stone of BAIF

was established in 1967 by Dr. Zakir Hussain, the-then President of India.

The Nature Cure Ashram was established by Mahatma Gandhi at

Urulikanchan in March 1946 to promote health care through naturopathy. After spending

eight days at the ashram, Gandhiji entrusted the responsibility of managing the ashram to his

trusted disciple Manibhai Desai. Manibhai worked closely with the villagers and launched

various novel experiments to address their problems. Based on these experiences, BAIF

Development Research Foundation (formerly, the Bharatiya Agro Industries Foundation) was

founded in 1967. The foundation stone of BAIF was established in 1967 by Dr. Zakir

Hussain, the-then President of India.

BAIF focuses on families living below the poverty line, empowerment

of women, promotion of education and health facilities and livelihood programmes. This goal

is being achieved using the available natural resources and appropriate technologies, while

building human capabilities and moral values thereby bringing quality life within the reach of

the poor people living in remote parts of the country. BAIF is committed to sustainable

development, currently offering assistance to over 3.0 million rural families spread over

55,000 villages in 12 states of the country.

Programmes that are being covered by BAIF are:

Live Stock Development

Natural Resource Management

Land Based Livelihood

Non-farm Livelihood

Environment and Awareness and Quality of Life

Insurance is a form of risk management in which the insured transfers the cost of

potential loss to another entity in exchange for monetary compensation known as the

“Premium”.

Insurance is the equitable transfer of the risk of a loss, from one entity to another, in

exchange for payment.

Micro-Insurance offers protection against the risks in life specifically for low-income

people in developing countries, with customized products and processes.

Micro-Insurance responds to difficult market conditions. Premiums are small enough

to be affordable, documentation is reduced to a minimum, and delivery channels reach

out to the slums and villages.

As far as the project CBHI (Community based Micro Health Insurance) is concerned,

According to the World Health Organisation, greater than 80 per cent of total expenditure on

health in India is private (figure for 1999-2001 [World Health Organisation 2004]) and most

of this flows directly from households to the private-for-profit health care sector. Most

studies of health care spending have found that out-of-pocket spending in India is actually

progressive, or equity neutral; as a proportion of nonfood expenditure, richer Indians spend

marginally more than poorer Indians on health care. However, because the poor lack the

resources to pay for health care, they are far more likely to avoid going for care, or to become

indebted or impoverished trying to pay for it. On average, the poorest quintile of Indians is

2.6 times more likely than the richest to forgo medical treatment when ill. Aside from cases

where people believed that their illness was not serious, the main reason for not seeking care

was cost. The richest quintile of the population is six times more likely than the poorest

quintile to have been hospitalised in either the public or private sector. Peters et al (2002)

estimated that at least 24 per cent of all Indians hospitalised fall below the poverty line

because they are hospitalised, and that out-of-pocket spending on hospital care might have

raised by 2 per cent the proportion of the population in poverty. Given this context, health

insurance appears to be an equitable alternative to out of pocket payments.

In recent years, community health insurance (CHI) has emerged as a possible means of:

(1) improving access to health care among the poor; and

(2) protecting the poor from indebtedness and impoverishment resulting from

medical expenditures.

Role of Micro-Insurance Academy towards CBHI:

About MIA: The Micro Insurance Academy (MIA) is a project of Sarvajan Unnati Bodhini

Charitable Trust. The MIA is a not-for-profit organization fully dedicated to providing

structured technical assistance in micro insurance domain-knowledge to organisations that

focus on low-income communities.

Mission: Our mission is to empower and enable poor communities to play an active role

reducing their financial vulnerabilities through innovative approaches in micro insurance.  

Objectives: Examine a new model of CBHI that is affordable, responsive, and inclusive

which is designed to promote:   

i) Equitable access to health care

ii) Financial protection

Background:

In most developing countries, including India, the lion's share of health spending is made out

of pocket. This leads to impoverishment and low access to health care, especially for weaker

segments of the population. CBHI has the potential to reduce the severe consequences of

unforeseen illness. However, in order to make use of the scarce resources available and build

systems offering value to the poor, it is important to have a detailed and evidence based

understanding on the impact of CBHI.

Project Concept: 

This project sets out to investigate the aspects important for the successful implementation of

CBHI. It does so through a set of controlled randomized trials through which CBHI is

implemented in villages of two states of India (Uttar Pradesh and Bihar). Rigorous

longitudinal research is used to identify causal effects of CBHI on equitable access to

healthcare and financial protection. The two states selected for implementation are among the

poorest in India, yet the intervention areas vary from each other in their socio-economic,

epidemiological and cultural profiles. We seek this diversity in order to enhance the validity

of the claim that lessons learned could be applied to other settings as well. We apply

quantitative research (longitudinal panel; series of economic experiments) along with in-

depth qualitative analysis and spatial data. 

Area of Activity: Implementation and impact analysis of Community-based Health

Insurance in rural India

Partners:

The project will be conducted by MIA in partnership with:

i) Erasmus University Rotterdam, Netherlands

ii) University of Cologne, Germany

iii)BAIF Development Research Foundation, India

iv) NIDAN, India

v) Shramik Bharti, India

Funding:

This project is being funded by a grant through the Seventh Framework Programme of the European Commission (EC-FP7), of the European Union.

Duration: 2009-2013

Location:

Field Work: 

Site 1: Kanpur Dehat District, Uttar Pradesh

Site 2: Pratapgarh District, Uttar Pradesh

Site 3: Vaishali District, Bihar

The main researchers are based in India (MIA), Germany (University of Cologne), and the

Netherlands (Erasmus University-Rotterdam)

Progress:

The CBHI India project was initiated in August 2009. The project's core research hypotheses

as well as data collection tools were refined in the following months, in light of the

discussion held at the project's first Advisory Board meeting in November 2009. Baseline

quantitative, qualitative and spatial research was carried out for 8 months, running

consecutively from January to August 2010. CBHI implementation activities for each site

have been ongoing since Apr 2010, and have been intensified  from September 2010

onwards, following the completion of baseline research. Highlights include:

April 2010: Insurance Initiation Workshops completed

May 2010: Baseline quantitative research completed

July 2010: Baseline spatial research completed

August 2010: Baseline qualitative research completed

September 2010: Benefit Options Consultations undertaken

November 2010: Insurance Awareness Campaign launched

As far as our study is done in BAIF, it is of two groups namely Treatment Group and Control

Group and each group has different SHGs. The Treatment group consists of the people who

are aware of Insurance, Policy and are of policy holders. It covers about 5 villages near

PRATAPGARH area. The Control group consists of people who are of non policy holders. It

covers about 10 villages near PRATAPGARH area. The policy they introduced is

“SANJIVANI”.

Description on SANJIVINI Insurance policy:

Benefit Name Description

Hospitalization Provides coverage in case of hospitalization

for longer than 24 hours. The maximum

amount is INR 6000/- per person per year.

Hospitalisation covers all the expenditures

(i.e. Consultation, Bed charges, tests,

Imaging, medicine, etc.) made during the

hospitalisation period.

Delivery (Cesarean only) Provides coverage in case of Cesarean

Delivery only. The maximum amount is Rs.

5000 per person per year after deducting a

threshold of Rs. 1400. In case of private

hospitalization, if there is no provision of Rs

1400 than according to cap full amount will

be paid.

Normal Delivery is not covered under this

benefit.

Family support during Hospitalization Provides coverage in case of hospitalization

for family support. The support will be

provided 3th day to 8th day of hospitalization

@ INR 100/- per day. So, for one

hospitalisation episode, the claimant can get

upto maximum of Rs. 600 (6days x Rs.

100/day) as benefit.

Transportation cost In case of hospitalization for longer than 24

hours. The transportation cost will be covered

up to INR 100/- per person per event.

RESEARCH METHODOLOGY

Title: A Study on the Awareness Level and Attitude Level of the Clients towards the Community Based Micro Health Insurance

OBJECTIVES OF THE STUDY

To know the awareness level and attitude level of the clients towards Insurance

To study the need for Insurance

To know the perception and understanding level of the clients towards Insurance

To know the probability level of occurrence of risk and satisfaction level of the

clients.

HYPOTHESIS:

H01: There is no difference in insurance between treatment and control groups.

H11: There is difference in insurance between treatment and control groups.

H02: There is no difference between the importance of insurance between the groups.

H12: There is difference between the importance of insurance between the groups.

H03: There is no difference between knowing insurance products between the groups.

H13: There is difference between the knowing insurance products between the groups.

H04: There is no difference between the insurance policy among the groups.

H14: There is difference between the insurance policy among the groups.

H05: There is no difference between the satisfaction towards Insurance between the groups.

H15: There is difference between the satisfaction towards Insurance between the groups.

H06: There is no difference between taking policy in future among the groups.

H16: There is difference between taking policy among the groups.

H07: There is no difference between the insurance related responsibilities in family between the groups.

H17: There is difference between the insurance related responsibilities in family between the groups.

H08: There is no difference between the equal say in taking decisions between the groups.

H18: There is difference between the equal say in taking decisions between the Groups

H09: There is no difference between the written material among the groups

H19: There is difference between the written material among the groups

H10: There is no difference between the reading of an document among the groups.

H20: There is no difference between the reading of an document among the groups.

H11: There is no difference between the terms and conditions among the groups.

H21: There is difference between the terms and conditions among the groups.

H12: There is no difference between the understanding of an insurance product among the groups.

H22: There is difference between the understandings of an insurance product among the groups.

RESEARCH DESIGN

The nature of research is exploratory in nature. This research covers the awareness

and attitude level of the clients towards insurance and also the perception and understanding

of Insurance .

PRIMARY DATA

Primary data collected for my project by the questionnaires and personal interaction

with the existing policy holders and non policy holders in Pratapgarh District.

SAMPLING

SAMPLING UNITS

The sampling units for my project were the existing insurance policy holder and non policy

holder at Pratapgarh.

40 respondents from the Treatment group in which it covers Vitalpur, Vishnupur, Lachipur,

Bhagipur and Ramgarh near Pratapgarh area.

20 respondents from the Control group in which it covers Pachras, Rastipur, Sarai Sultani,

Meerpur, Rajapur near Pratapgarh area.

SAMPLE SIZE

The sampling size for the project was 60.

SAMPLING METHOD

Since the chance of any particular unit in the population being selected is known so I

have used probability sampling. We have used simple random sampling.

LIMITATIONS

The study was conducted only at a total of 10 villages near Pratapgarh area. This analysis and

findings arrived are based on the true findings with the help of questionnaire. There are issues

in generalizing the results and findings to a wider area of Pratapgarh, Uttar Pradesh. The

study obtained information about the awareness level, attitude level, perception and

understanding of clients towards Insurance Policy. Some of the shortcomings that we found

are:

No doubt SANJIVINI is playing an important role in the villages. Some of the policy

holders are saying that the procedure for getting the claim benefits is getting harder as

they not able to get the receipts in time. This is one of the major shortcomings of this

policy.

Due to lack of knowledge or education some of them are not in a stage to read the

documents or understand the terms and conditions of the policy.

As majority of the clients are of farmers, due to lack of water, the clients are getting

loss in their irrigation field and because of this the income generation is getting

reduced.

In some of the areas the clients are not much aware of the Micro Health Insurance. It

is time for everyone to know what exactly the micro insurance is.

The treatment group clients are more aware when compared to control group.

Knowingly, some of them are not showing interest to take policy as their financial

status doesn’t support them. This is the reason why the people are not willing to take

any policy in future.

The literacy level in these villages is too low. The parents can’t effort that much to get

their child educated as they belong to below poverty line.

DATA ANALYSIS

Awareness towards Insurance between the treatment and control groups

Q. Are you aware about Insurance (Yes / No). If yes, fill the following Questions:

Analysis: This analysis is done by using the t-test.

Comparison of awareness of the client’s towards insurance between the treatments and Control groups

Paired Samples Statistics

Mean N Std. Deviation

Std. Error

Mean

Pair 1 Have t you heard about

insurance tg11.2000 20 .41039 .09177

Have you heard about

insurance cg11.5000 20 .51299 .11471

Pair 2 is insurance imp tg2 1.0000 20 .00000 .00000

is insurance imp cg2 1.7000 20 .47016 .10513

Pair 3 knw abt ins prod tg3 1.2500 20 .44426 .09934

knw abt ins prod cg3 1.9000 20 .30779 .06882

Pair 4 taken an ins policy tg4 1.0000 20 .00000 .00000

taken an ins policy cg4 1.8500 20 .36635 .08192

Paired Samples Correlations

N Correlation Sig.

Pair 1 heard abt ins tg1 & heard

abt ins cg120 -.500 .025

Pair 2 is insurance imp tg2 & is

insurance imp cg220 . .

Pair 3 knw abt ins prod tg3

&knw abt ins prod cg320 .192 .416

Pair 4 taken an ins policy tg4

&taken an ins policy cg420 . .

Description:

Pair 1:

As the significance value is greater than 0.05, we accept the null hypothesis. There is no difference between hearing of Insurance between treatment and control group.

Pair 2:

Here, the significance value is less than 0.05. Hence we reject the null hypothesis. By this we can say that there is difference between the importance of insurance between the groups.

Pair 3:

The significance value is less than 0.05. Hence we reject the null hypothesis. By this we can say that there is difference between the knowing of insurance products between the groups.

Pair 4:

As the significance value is less than 0.05. Hence we reject the null hypothesis. By this we can say that there is difference between the insurance policy among the groups.

Comparison of Understanding clients Attitude towards Insurance between

the treatment and control groups

Q.

1. Are you satisfied with the policy? a) Yes b) No

2. Will you take another policy in future? a) Yes b) No

Analysis: This analysis is done by using t-test. The application of t-test is shown in Annexure 2.

Comparison of Understanding the clients Attitude towards Insurance between the treatment and control groups:

Paired Samples Statistics

Mean N Std. Deviation Std. Error Mean

Pair 1 satisfied with the policy tg1 1.0000 20 .00000 .00000

satisfied with the policy cg1 1.8500 20 .36635 .08192

Pair 2 will you take another policy in

future tg2

2.0000 20 .00000 .00000

will you take another policy in

future cg2

1.8500 20 .36635 .08192

Paired Samples Correlations

N Correlation Sig.

Pair 1 satisfied with the policy tg1 &

satisfied with the policy cg1

20 . .

Pair 2 will you take another policy in

future tg2 & will you take

another policy in future cg2

20 . .

Description:

Pair 1:

Here, the significance value is less than 0.05. Hence we reject the null hypothesis. By this we can say that there is difference between the satisfaction with the policy between the treatment and control groups.

Pair 2:

As the significance value is greater than 0.05, we accept the null hypothesis. There is no difference between the taking another policy towards Insurance among the treatment and control groups.

Comparison of Understanding the need for risk between the treatment and

control groups

Q. Rate the kind of risks that are being faced?

Analysis: Treatment Group = 40 Respondents

Rank 1 Rank 2 Rank 3 Rank 4Health Risk 31 4 2 3Life Risk 8 20 11 1

Live Stock Risk - 1 11 28Crop Risk 4 12 15 9

Control group = 20 respondents

Rank 1 Rank 2 Rank 3 Rank 4Health Risk 4 8 7 1Life Risk 13 1 3 1

Live Stock Risk 1 6 2 11Crop Risk - 5 8 4

Graph representation of Understanding the need for risk from Treatment and control groups:

Health Risk Life Risk Live Stock Risk Crop Risk

77.5%

10%

10%

10%

50%

2.5%

30%

5%

27.5%

27.5%

37.5%

7.5%2.5%

70%

22.5%

Assessment of type of Risk based on actual risk from treatment group

Rank 1 Rank 2 Rank 3 Rank 4

Description:

The above graph shows the Assessment of type of Risk based on actual risk from treatment

group. In the treatment group, as per the data the Health Risk is the major risks that are being

faced by the clients. Out of 40 respondents 77.5% of the clients have given Rank 1 towards

Health risk and only 5% of the clients have given Rank 3. Coming to Life Risk 50% of the

clients have given Rank 2 and just 2.5% of the clients have given Rank 4. As far as Live

Stock is concerned about 70% of the clients have given Rank 4, and just 2.5% of the clients

have given Rank 2. Towards Crop Risk only 10% of the clients have given Rank 1 and about

37.5% given Rank 3.

Health Risk Life Risk Live Stock Risk Crop Risk

20%

65%

5%

40%

5%

30%25%

35%

7.5%

10%

40%

5% 5%

55%

20%

Assessment of type of Risk based on actual risk from control group

Rank 1 Rank 2 Rank 3 Rank 4

Description:

The above graph represents the Assessment of type of Risk based on actual risk from control

group. In the control group, as per the data the majority of the clients are facing Life Risk.

Out of 20 respondents 40% of the clients have given Rank 1 towards Health risk and only 5%

of the clients have given Rank 4 and about 65% of the clients have given Rank 1 and 5% of

the clients have given Rank 2 & 4 for Life risk. As far as Live Stock risk is concerned about

55% of the clients have given Rank 4, and just 5% of the clients have given Rank 1. Towards

Crop Risk 40% of the clients have given Rank 3 and about 20% given Rank 4.

Comparison of Assessment of Insurance need based on actual risks faced

between the treatment and control groups.

Q. Are you aware of the Risk?

Analysis: Assessment of type of Risk based on actual risk from Treatment group and control group

Table: Assessment of type of Risk based on actual risk from Treatment group

Death of family member

High exp to illness

Loss of crops

Death disease of live stock

Natural disaster

Loss of business

Financial Loss 4 12 32 5 20 1Asset loss 6 4 6prod loss 3 1 33 5 26 1int flw of inc 9 31 2 23 1per suff 2 3 2 2insecturity 1 1 5 20 1

Table: Assessment of type of Risk based on actual risk from control group

Death of family member

high expenditure to illness Loss of crops

Death disease of Livestock

Natural Disaster

Financial Loss

715 14 2 12

Asset loss 1 1 2 1prod loss 7 14 14 12int flw of inc

513 13 2 11

per suff 4 3 7 1 5insecturity 3

Graphical representation of Assessment of type of Risk based on actual risk from Treatment and control groups:

Death of F

amily

...High

Expenditu

re t..

.

Loss

of Cro

ps

Death dise

ase of ..

.

Natural

Disaste

r

Loss

of Busin

ess

10%

30%

80%12% 50%

2%

7%

2%82%

12%

65%2%

5%

7%

5%

5%

2%

2.5%

12%50%

2 %

22%

77%

5%

57%2%

15% 10%

15%

Assessment of type of Risk based on actual risk from Treatment group

Financial Loss Asset Loss Productivity Loss Interrupted Flow of Income

Personal Suffering Insecurity

Description:

The above graph depicts the Assessment of type of Risk based on actual risk from Treatment group. In the treatment group

Out of 40 respondents 10% of the clients are suffering with Financial Loss, 7% are

suffering with the loss of productivity due to death of family member.

As far as high expenditure is concerned 30% clients are being facing financial loss,

22% of them are suffering with interrupted flow of Income due to illness.

Majority of the clients are facing Productivity loss and 2% of them are suffering with

insecurity feeling due to Loss in Crops.

Due to death of live stock 12% of the clients are suffering with financial loss,

productivity loss and insecurity feeling.

65% of the clients are suffering with productivity loss, 57% with interrupted flow of

income and 50% of them are suffering with financial loss due to Natural Disaster and

finally about 2% of the total respondents are being suffering with financial loss,

productivity loss and interrupted flow of income due to Loss in Business.

Death of Family Member

High Expenditure to illness

Loss of Crops Death disease of Livestock

Natural Disaster

35%75%

70% 10% 60%

5%

5%

10%

5%

35%

70%

70%

60%

25%

65%

65%10%

55%

20%

15%

35%

5%25%

10% 15%

Assessment of type of Risk based on actual risk from control groups

Financial Loss Asset Loss Productivity Loss

Interrupted Flow of Income Personal Suffering Insecurity

Description:

The above graph depicts the Assessment of type of Risk based on actual risk from control group. In the control group

Out of 20 respondents 35% of the clients are suffering with Financial Loss and

productivity loss and because of that 25 % are suffering with interrupted flow in

income due to death of family member.

As far as high expenditure is concerned 75% clients are being facing financial loss,

70% of them are suffering with Productivity loss which causing an indirect damage

towards income and personal suffering due to illness.

70% of the clients are facing financial loss and which causing an indirect damage of

about 65% towards the flow of income and 15% of them are suffering with insecurity

feeling due to Loss in Crops.

Due to death of live stock about 10% of the clients are suffering with financial loss,

Asset loss and interruption in flow of income.

60% of the clients are suffering with financial loss and productivity loss, 55% with

interrupted flow of income due to Natural Disaster.

Comparison of Perception and Understanding level of the clients towards

Insurance needs between the treatment and control groups.

Q. Comparison of Perception and Understanding level of the clients towards Insurance needs

between the treatment group and control group.

Analysis: The analysis is done by using T-test. The application of t-test is shown in

Annexure 2

(P.T.O)

Paired Samples Statistics

Mean N Std. Deviation

Std. Error

Mean

Pair 1 who handles insurance tg1 1.3333 3 .57735 .33333

who handles insurance

cg12.0000 3 .00000 .00000

Pair 2 does ur spouse hav an

equal say in these

decisions tg2

1.0000a 3 .00000 .00000

does ur spouse hav an

equal say in these

decisions cg2

1.0000a 3 .00000 .00000

Pair 3 did u get any written

material tg31.0000a 3 .00000 .00000

did u get any written

material cg31.0000a 3 .00000 .00000

Pair 4 hav u read d doc tg4 1.3333 3 .57735 .33333

hav u read d doc cg4 1.0000 3 .00000 .00000

Pair 5 hav the t&c bn clear to u

tg51.0000 3 .00000 .00000

hav the t&c been clear to

u cg51.6667 3 .57735 .33333

Pair 6 Do u hav a good

understnd of d ins prod

tg6

1.0000a 3 .00000 .00000

Do u hav a good

understnd of d ins prod

cg6

1.0000a 3 .00000 .00000

a. The correlation and t cannot be computed because the standard error of the

difference is 0.

Paired Samples Correlations

N Correlation Sig.

Pair 1 who handles insurance tg1

& who handles insurance

cg1

3 . .

Pair 4 hav u read d doc tg4 &

hav u read d doc cg43 . .

Pair 5 hav the t&c been clear to

u tg5 & hav the t&c been

clear to u cg5

3 . .

Description:

Pair 1:

As the significance value is greater than 0.05, we accept the null hypothesis. There is no difference between the insurance related responsibilities between the treatment and control groups

Pair 2:

Here the value of correlation is zero, hence the t-test value will also be zero.

Pair 3:

Here the value of correlation is zero, hence the t-test value will also be zero.

Pair 4:

As the significance value is greater than 0.05, we accept the null hypothesis. There is no difference between the reading of an document among the groups.

Pair 5:

As the significance value is greater than 0.05, we accept the null hypothesis. There is no difference between the terms and conditions between the treatment and control groups.

Pair 6:

Here the value of correlation is zero, hence the t-test value will also be zero.

FINDINGS OF THE STUDY

From our study we found that,

The SANJIVINI policy is quiet beneficial for the clients.

In order to pay the monthly installment of 14/- for a period of 9 months the clients are

controlling their monthly expenditure.

The policy holders from treatment group are most aware when compared to the

control group clients.

During our visit, we found that SANJIVINI has been given a major importance in

every family and they are paying the installment amount without fail.

Equal importance has been given to women in the family in financial decision

making, women also actively participates in this regard.

The clients are much happy with the benefits that they are assured.

Due to lack of resources, it takes a lot of time for development.

Due to lack of water the clients are having a big loss in their farming.

Some of the clients are also having LIC JEEVAN BHIMA policy for a period of

about 18 to 24 years in which they pay the premium amount either quarterly or half-

yearly or annually.

Majority of the policies are being taken in order to avoid health risk.

Most if the clients are not in a stage to take another policy as they are suffering with

Financial Problems.

Out of 60 respondents, 58% of the clients have been given major importance to health

risk, 34% has given priority to life risk and 6% clients given for crop risk and the

remaining 2% for live stock risk.

Most of the clients are suffering with financial loss and productivity loss due to high

expenditure towards illness, Loss of crops and also from the Natural Disasters.

It’s good to see women working for the Rural Development and also actively

participating in the awareness campaigns.

INTERPRETATION

From the study,

Some of the policy holders are not having awareness and interest towards Insurance.

This is just because of their illiteracy. This is the major problem in everyone’s family.

In order to overcome this shortcoming some primary education should be given for

free of cost as they belong to below poverty line.

Due to natural disaster most of the families are having crop loss atleast twice in a

year. We can make the people to overcome from this problem by providing some

water supply schemes. It causing because of the lack of rains.

As per the data, Health risk is treated as major risk in the villages. In order to

overcome it, most of the people from treatment group took the SANJIVINI policy

which is quiet beneficial for the client and a less number of clients are having LIC

(JEEVAN BHIMA) policy.

An assessment has been done in order to know the perception and understanding level

of the clients towards Insurance.

CONCLUSION

In general the field of micro insurance is just merging and though it has a number of issues at

three levels namely people, MFI, and Insurance companies, this sector has a big potential.

More innovation in product design, processes and practices is bound to happen as the sector

evolves and expands. Servicing and a social perspective will slowly develop once the rural

population starts demanding. As far as the project CBHI is concerned, the partner agent

model will brings a change in the insurance companies, their attitudes and willingness to

serve rural people and inhibition factors should be studied to improve the system as a whole.

The literacy rate should be increased.

As per our study, we compared the awareness and attitude level of the

clients towards Insurance between the treatment and control groups. As per the data

collected, most of the clients responded in a positive manner. They are quiet happy with the

benefits that are being provided under the Health Insurance policy through BAIF.

The SHGs in the Treatment group are more effective when compared

to control group. In both the groups the women are more effectively working for the welfare

of the development. This shows a positive change towards development in Rural India.

RECOMMENDATIONS AND SUGGESTIONS

Spreading the SANJIVINI policy in the villages near Pratapgarh District is a

motivating factor and upgrading scheme so we would like to suggest that it should

continue so that literacy rate can rise and can make their future bright and secure.

Programs like SANJIVINI have to be given good publicity so that they will be more

successful.

A very serious problem we noticed was lack of safe drinking water in many villages.

Now-a-days the people in the villages are getting the water from about 125 feet below

the ground. We would suggest to take some positive initiative to fulfill the basic needs

of the people.

During interaction people told that there is huge scarcity of water resources which

causing a great loss to the farming.

Few of the policy holders and Non policy holders of the SHGs are unaware of the

Insurance. So therefore filed assistants should create awareness among the

community.

We would like to suggest to provide some primary education to the poor people as

most of them are below poverty line.

ANNEXURE-I

Questionnaire:

I am a student of Master of Social Work from Motilal Nehru National Institute of

Technology. I am currently working with BAIF Institute for Rural Development on a

survey purpose. We do not sell anything; we do not work for the government. We want to ask

you some questions regarding Insurance policy. Participation is voluntary, and there will be

no penalty if you choose not to participate. If you do choose to answer the questionnaire, your

replies will serve to help in improving health care for you and other people in your

village/region. The interview will take 10 to 15 minutes. The answers you give will not be

made available to anyone who does not work with us on this study. Your names will not be

passed on to any outsider that does not work with us on this study. It does not cost anything

to participate.

Shall we start the Interview : Yes / No

Date :

Name of the Respondent :

Age :

Name of the Village :

Name of the SHG group :

1. Are you aware about Insurance (Yes / No). If Yes, fill the following Questions:

2. Are you aware of Micro-Insurance? If Yes, fill the following:

3. Have you got any Policy? If Yes, Describe it:

Premium Payment:

4. Are you satisfied with the Policy?

5. Are you aware of the risks?

ANNEXURE – II

Application of T-Test:

1Q. T-test application for client’s awareness towards Insurance between the treatment and control groups.

2Q. T-test application for attitude of the clients towards Insurance between the treatment and control groups.

5Q. T-test application for perception and understanding level of the clients towards Insurance between treatment and control groups.

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