A Survey on Health Insurance in Bangladesh

Based on
Insurance Acceptance and Willingness.

Mitali Rahman Mita

Department of Banking and Insurance
University of Dhaka

Respondents Name:
Respondents Age:
Respondents Sex: Male

Female

1. How would you describe your own health?

o
o
o
o
o
o
o

Excellent
Very good
Good
Fair
Poor
Dont know
Refuse

2. Are you now covered by any health insurance or any Medicare plan?
o Yes, covered
o No, not covered
o Refuse

3. How much money you spend in every month for medical services and drug?
o
o
o
o
o
o
o
o

Less than tk. 500

TK 500 to tk. 1,000
TK 1,000 to tk. 1,500
TK 1,500 to tk. 2,000
TK 2,000 to tk. 3,000
TK 3,000 to tk. 4,000
TK 4,000 to tk. 5,000
More than tk. 5000

4. What percentage of your income is spent on your medical treatment?

o
o
o
o

1 percent
2 percent
3 percent
4 percent

o 5 percent or more
(Answer if you are uninsured now.)
5. Have you ever purchased any kind of health insurance?
o Yes
o No
6. What is the main reason you did not buy the plan?
o
o
o
o
o
o

The premium was too expensive

The plan did not cover a pre-existing condition
The deductibles and/or co-pays were too high
You gained health insurance through another source
Other (specify the reason) _______
Refuse

7. How much time you spent without insurance?

o
o
o
o
o

Three months or less

Four months to 11 months
One to two years
More than two years
Refuse

8. If you are willing to purchase health insurance, what will be your acceptable premium
annually?
o
o
o
o
o
o

Less than tk. 500

TK.500 to more than tk. 1,000
TK 1,000 to more than tk. 2,000
TK 2,000 to more than tk. 3,000
TK 3,000 to more than tk. 5,000
TK 5,000 or more

9. Has a doctor ever told you that you have hypertension or high blood pressure problems?
o
o
o
o

Yes
No
Dont know
Refuse

10. Has a doctor ever told you that you have heart disease?
o
o
o
o

Yes
No
Dont know
Refuse

11. Has a doctor ever told you that you have diabetes ?
o
o
o
o

Yes
No
Dont know
Refuse

12. Has a doctor ever told you that you have asthma, emphysema, or lung disease?
o
o
o
o

Yes
No
Dont know
Refuse

(Answer, if has a health problem or condition mentioned in previous list)

13. In the past year, have you ever stayed overnight in a hospital or visited the emergency room
because of this problem.
o
o
o
o
o

Yes, Emergency
Yes, hospital
Yes, both
No
Refuse

14. Does a disability or chronic disease keep you from working full time or limit housework or
other daily activities?
o Yes
o No
o Refuse
15. How frequently you meet your doctor for check up?
o
o
o
o
o

Once in a month
Once in every two month
Once in every three month
Once in every six month
Once in one year

(Answer if you are covered by any health insurance)

16. What types of insurance you have?
o
o
o
o
o
o
o

Standard Plan (cover most of diseases except including in special plan)

Special Plan (cover diabetics, heart diseases, high blood presser, cancer etc.)
Platinum (Insurer covers 90% on average of your medical costs)
Gold (Insurer covers 80% on average of your medical costs)
Silver (Insurer covers 70% on average of your medical costs)
Bronze (Insurer covers 60% on average of your medical costs)
Others (Specify)

17. During the last 12 months, were there any time when you face problems to get your
coverage?
o Yes
o No
o Refuse
18. Have you ever rejected for getting medical bills from your insurer?
o Yes, once

o
o
o
o
o

Yes, twice
Yes, three times
Yes, more than three times
No
Refuse

19. How many times you pay medical bills though you have health insurance?
o
o
o
o
o
o

Yes, once
Yes, twice
Yes, three times
Yes, more than three times
No
Refuse

20. What is the reason of rejection your claim?

o
o
o
o
o

For prior terms and conditions

For the prior claim payment
Other (specify)..
Dont know
Refuse

21. How often are premium payments made on this plan?

o
o
o
o
o
o
o
o

Once a week
Every two weeks
Twice a month
Once a month
Once every three months
Once a year
Some other timing
Refuse

22. Does your health plan have a deductible? (The small amount of health care cost that is
carried by the policyholder.)

o
o
o
o

Yes
No
Dont know
Refuse

23. What is the amount of your annual deductible?

o
o
o
o
o
o
o

Less than tk. 500

TK.500 to fewer than tk. 1,000
TK 1,000 to fewer than tk. 2,000
TK 2,000 to fewer than tk. 3,000
TK 3,000 to fewer than tk. 5,000 OR
TK 5,000 or more per person
Not applicable

24. Does your health plan have any policy limit? (Insurer will pay up to a certain limit and you
have to pay the rest of the amount.)
o Yes
o No
o Refuse
25. What is your policy limit?
o
o
o
o
o
o

26.

Tk.10,000 to tk. 20,000

Tk.20,000 to tk. 50,000
Tk.50000 to tk. 100,000
Tk.100,000 to 200,000
Tk.300,000 or more
Not applicable

Think about your current health policy for each statement.

Strongly
Agree

Agree

Strongly
undecided Disagree Disagree

1. The premium rate is not so high

2. Services of your insurer is excellent

3.

4.

5.

Claim settlement process is fast

Premium payment procedure is easy

This policy fulfill your health care

need

6.

27.

You are happy with your policy

(Answer if you have high blood pressure and diabetes problem.)

Think about your health condition and your activities for maintaining good health each statement.
Strongly
Strongly
Statements
Agree
Agree
undecided Disagree Disagree
1. You exercised every day.

2. You checked your cholesterol timely.

3.

4. You checked your diabetes routinely.

5.

You checked your blood pressure

routinely.

You meet your doctor time to time.

(Answer if you are married)

28. Is your spouse covered by any health insurance?
o Yes
o No
29. Do you have any children who depend on you?
o Yes
o No
30. Are your children covered by any health insurance?
o Yes
o No

Thank you for your patience.