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The Impact of Health Insurance on Healthcare Utilization and Financial Protection: A Systematic Review

LT KAMARLAILA .S

Assistant professor in commerce

PG and research department of commerce

Govt. Victoria College Palakkad

Abstract:

 Access to healthcare services and financial protection from medical costs are made possible in large part by health insurance. Using knowledge from previous studies, this systematic review investigates how health insurance affects the use of healthcare services and financial security. A total of 25 studies were included in the evaluation  thorough search technique and strict selection criteria. The results demonstrate how health insurance has a variety of impacts on factors related to financial risk reduction, healthcare utilisation, and access. The correlation between insurance coverage and higher primary care, hospitalisation, and preventive service utilisation as well as lower out-of-pocket and catastrophic health costs are among the key themes that have been found. The analysis does, however, also highlight differences in insurance coverage and use among other demographic groups.

Key words: Insurance, Health insurance, Healthcare services