Choong, Zi Xuan and Lau, Esther Sin Wee (2025) Determinants of private health insurance adoption in Klang Valley. Final Year Project, UTAR.
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Abstract
Private Health Insurance (PHI) plays an increasingly important role in Malaysia’s dual healthcare system, providing an alternative to public healthcare services that often suffer from overcrowding and long wait times. Despite the rising cost of healthcare and growing demand for timely and high-quality services, PHI adoption rates in Malaysia remain stagnant. This study investigates the determinants influencing the adoption of PHI among residents in Klang Valley, a densely populated urban region with high access to private healthcare facilities and insurers. The study adopts a quantitative research design, surveying 385 residents aged between 22 and 60 through structured questionnaires. Five categories of independent variables were examined: demographic factors, socioeconomic status, health variables, financial and insurance knowledge, and awareness and accessibility. The study employed descriptive statistics, reliability testing, and multiple linear regression analysis using SPSS to determine the influence of these variables on PHI adoption. Grounded in the Health Insurance Demand Theory and the Theory of Planned Behaviour, the findings suggest that income, education, health condition, insurance literacy, and access to information significantly impact individuals' decisions to purchase PHI. Moreover, behavioural elements such as trust in insurers, perceived affordability, and exposure to health insurance information were found to shape purchasing behaviour. This research contributes to the academic discourse by integrating a multi-dimensional framework and provides practical insights for policymakers, insurers, and healthcare providers seeking to improve PHI uptake. Keywords: Health Economics / Insurance Behaviour / Public Policy Subject Area: RA410–410.9 Medical economics. Economics of medical care. Employment
| Item Type: | Final Year Project / Dissertation / Thesis (Final Year Project) |
|---|---|
| Subjects: | H Social Sciences > HB Economic Theory H Social Sciences > HF Commerce |
| Divisions: | Teh Hong Piow Faculty of Business and Finance > Bachelor of Economics (Honours) Financial Economics |
| Depositing User: | ML Main Library |
| Date Deposited: | 30 Dec 2025 20:00 |
| Last Modified: | 30 Dec 2025 20:00 |
| URI: | http://eprints.utar.edu.my/id/eprint/7060 |
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