Abstract: This research study investigated the utilization of health insurance services among undergraduate students of the Canadian University of Dubai in order to test the hypothesis that young adults are indifferent to coinsurance rates and insurance benefits, as they perceive themselves to be generally healthy and as a result have a low utilization for health insurance. Three questions guide this research. First, how often do the students seek healthcare services? Second, how much do the students pay as coinsurance for healthcare services, and third, are the students aware of the services covered and not covered by their health insurance plans? A 9-item survey questionnaire was administered to a sample size of the undergraduate student population (N=200). Results show that majority of the survey respondents (44%) rarely sought healthcare services, 71.5% paid less than 1,000 dirhams as coinsurance and 55.2% responded to being aware of their health insurance benefits. This supports the hypothesis that young adults are indifferent to coinsurance rates and insurance benefits and as a result have a low utilization for health insurance.
Keywords: Health insurance, insurance, utilization, coinsurance, young adults, healthcare, policy, perception.
Title: Health Insurance Utilization among Undergraduate Students of Canadian University of Dubai
Author: Hauwa Hussain Usman, Ryan Sisson, Golaleh Tavakoli, Rami El Khatib
International Journal of Healthcare Sciences
ISSN 2348-5728 (Online)
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