Health Insurance Perception and Challenges: A Qualitative Study Among Fishermen

Objectives Out-of-pocket expenditure is a driving force, hindering quality healthcare services among low- and middle-income families. Individuals with inadequate health insurance literacy (HIL) are at a higher risk of experiencing negative financial consequences. The socio-economic factors also significantly impact health insurance enrolment. The present study explores the perceptions and challenges of health insurance among fishermen, a vulnerable group often overlooked in healthcare policy. Material and Methods This study employed qualitative methods to understand the current perceptions and challenges faced by the fishing community. Focus group discussions (FGDs) were conducted among the stakeholders to gather information and insights on health insurance. Results A total of six FGDs were conducted among 58 participants from the fishermen community. Key areas identified were a lack of awareness, financial barriers, and trust issues with existing health insurance programs. The participants emphasised the lack of awareness about health insurance, the complexity of insurance products, difficulty in understanding the terms and conditions, and the need for health insurance, as well as experience and financial priorities, as major factors for not opting for health insurance. Conclusion The findings of the present study highlight the need for targeted educational campaigns, simplified procedures, the use of local organisations and leaders, and tailored insurance policies that address socio-economic barriers to enhance trust and improve health insurance uptake in this community.