I could use your help with a research project!
As part of my graduation internship, I’m conducting a market study on people’s perceptions of commercial health insurance and how it compares to social health insurance. This research is purely for academic purposes; I won’t be selling any insurance. I would greatly appreciate it if you could share your thoughts on the following questions:
- Have you ever purchased commercial health insurance?
- If not, what’s your main reason for not purchasing? Would you consider buying one in the future?
- If you have purchased commercial health insurance, could you specify which plan you chose and what factors influenced your decision? Are you satisfied with the premiums you pay and the services you receive?
- Finally, if you found an adequate health coverage option through commercial insurance, how much would you be willing to pay for that coverage?
Thank you all for your insights! 😇
Hi there! I’d be happy to help with your research!
Yes, I have purchased commercial health insurance in the past.
If you haven’t, what’s your main reason for that? Would you consider purchasing one in the future?
(For those who haven’t) Many people often avoid commercial health insurance due to the high premiums and the perception that social health insurance offers sufficient coverage. There’s also a common concern about the complexity of terms and conditions in commercial plans. Some might consider it in the future, especially if their personal circumstances change, like starting a family or their income increases.
If you have purchased one, could you be a little bit more specific about which health insurance you bought? And what’s your considerations? Are you satisfied with the premium fees you pay and the services you receive?
I bought a plan from [Name of Insurance Company], which provides comprehensive coverage, including outpatient services, hospital stays, and prescription medications. My main considerations were coverage limits, network of hospitals, and customer service reputation. Overall, I am satisfied with my premium fees, but I think they could be more affordable. The services have generally been good, but there were instances where the claims process felt cumbersome.
Lastly, if you can obtain a well-rounded health cover from the commercial health insurance(s) you purchase, how much premium fee are you willing to pay for the cover?
I hope this helps! Good luck with your research!