Int J Cur Res Rev | Vol 12 • Issue 18 • September 2020 124 Corresponding Author: Dr. Lipilekha Patnaik, Professor, Department of Community Medicine, Institute of Medical Sciences and SUM Hospital, Siksha‘O’ Anusandhan deemed to be University, Kalinga Nagar, Ghatikia, Bhubaneswar, Khordha, Odisha-751003, India; Mobile: +91-9437322268, E-mail: drlipilekha@yahoo.co.in ISSN: 2231-2196 (Print) ISSN: 0975-5241 (Online) Received: 15.07.2020 Revised: 24.08.2020 Accepted: 05.09.2020 Published: 22.09.2020 Research Article International Journal of Current Research and Review DOI: http://dx.doi.org/10.31782/IJCRR.2020.121816 IJCRR Section: Healthcare Sci. Journal Impact Factor: 6.1 (2018) ICV: 90.90 (2018) INTRODUCTION The prevalence of lifestyle diseases is rising due to chang- ing lifestyles which in turn is increasing the demand for healthcare. With technological advances, new procedures and more effective medicines the costs of healthcare have driven up. While these high treatment expenses may be be- yond reach, taking health insurance is much more afford- able. 1 Health insurance has been acknowledged as a valuable tool in health financing. The design of health systems and insurance schemes in countries like USA, Australia, Indone- sia and India is based on the potential impact of how health systems are financed on the wellbeing of households, par- ticularly poor households. 1,2 The insurance system works on the basic principle of pooling of risks of unexpected costs of persons falling ill and needing hospitalization by charging premium from a wider popula- tion base of the same community. 3 despite its significance, the subscription is very less. People who can afford or aware of health insurance are also found to be ignorant towards it. According to the 71st round of surveys, the National Sample Survey Office (NSSO) published the report “Key Indicators of Social Consumption in India: Health” in 2016. In the re- . ABSTRACT Background: With technological advances, new procedures and more effective medicines, the costs of healthcare have driven up. So, taking health insurance is more affordable. Aims: To know health insurance service utilization and willingness to adopt a health insurance scheme among patients admitted in a tertiary hospital. Materials and Methods: The study was conducted during September - November 2019 among 126 patients admitted in a ter- tiary care hospital using a predesigned and pretested schedule. The study design was cross-sectional. Non-probability sampling method was used. Data were entered to an excel sheet and SPSS software version 20 was used for analysis. Results: Among the persons interviewed, about 20% were admitted under the health insurance scheme, 71% were aware of health insurance. Around 60% of the respondents gained knowledge about health insurance from radio and television followed by agents and friends (31.1%) and print media (8.9%). Among those insured 72% had ESIS, 24% had CGHS and 4% had taken private insurance. Among participants, 55% were not willing to join any health insurance scheme but if given a chance,61% preferred Government health insurance. 84 % of participants who were admitted under insurance belonged to upper socioeco- nomic status. This association was statistically significant (p=0.002). Government health insurance was preferred by 80% of participants. Conclusion: Health insurance coverage will further increase by increasing awareness about different schemes and the initiative taken by health care personnel will be more effective. Key Words: Health insurance, Awareness, Out of pocket expenditure, Inpatients, Willingness to pay, Social security Health Insurance Service Utilization and Willingness to Adopt Health Insurance Schemes Among Admitted Patients in a Tertiary Hospital of India Ria Ganguly 1 , Lipilekha Patnaik 2 , Trilochan Sahu 3 1 PG Student, Community Medicine, IMS and SUM Hospital, Siksha ‘O’ Anusandhan Deemed to be University, Kalinga Nagar, Ghatikia, Bhubaneswar-751003, Orissa, India; 2 Professor, Community Medicine, IMS and SUM Hospital, Siksha ‘O’ Anusandhan Deemed to be Uni- versity, Kalinga Nagar, Ghatikia, Bhubaneswar-751003, Orissa, India; 3 Professor & Head, Community Medicine, IMS and SUM Hospital, Siksha ‘O’ Anusandhan Deemed to be University, Kalinga Nagar, Ghatikia, Bhubaneswar-751003, Orissa, India. Copyright@IJCRR