From Perception to Adoption

Drivers of Commercial Health Insurance Purchase Intentions Among School Teachers in Nepal

Authors

DOI:

https://doi.org/10.32674/2634wr54

Keywords:

Behavioral determinants, health insurance adoption, purchase intention, school teachers

Abstract

The study aims to identify the determinants of commercial health insurance purchase intention among uninsured school teachers in Nepal. The study adopted a cross-sectional survey study of 412 uninsured school teachers. PLS-SEM approach has been adopted for the analysis. Purchase intention for commercial health insurance among school teachers is primarily affected by perceived usefulness and attitudes, along with the norms, literacy, and the service quality influence as supporting factors. This suggests that for enhancing adoption and long-term engagement, benefit-focused communication and product designs, added with trust and retention efforts, are essential. While male and female teachers differ somewhat in average views, these differences do not meaningfully change how the key drivers relate to intention. 

 

 

 

Author Biographies

  • Gangaram Biswakarma, Tribhuvan University, Nepal

    Dr. Gangaram Biswakarma is an Assistant Professor at Tribhuvan University and currently serves as the Dean of Bagmati Province University. He is a dedicated academic and researcher specializing in organizational behavior, HRM. With strong expertise in PLS-SEM and mixed-methods research, he has made significant contributions through publications, curriculum development, and research capacity building. 

  • Basanta Dhakal, Tribhuvan University, Nepal

    Basanta Dhakal is a Lecturer at Public Youth Campus, Tribhuvan University, specializing in management, HRM, and finance, actively contributing to teaching, mentoring, and curriculum development.

  • Daya Sapkota, Pokhara University, Nepal

    Daya Sapkota is a Senior Assistant at Nepal Reinsurance Company Ltd. and an MBA graduate with a strong academic foundation in business studies. She is passionate about banking, insurance, marketing, and advertising, and is recognized for her positive mindset, curiosity, and commitment to continuous learning.

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Published

2025-12-31

Issue

Vol. 4 No. 2 (2025): Interdisciplinary Journal of Innovation in Nepalese Academia

Section

Research Articles

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Copyright (c) 2025 Interdisciplinary Journal of Innovation in Nepalese Academia

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How to Cite

From Perception to Adoption: Drivers of Commercial Health Insurance Purchase Intentions Among School Teachers in Nepal. (2025). Journal of Innovation in Academia , 4(2), 28-57. https://doi.org/10.32674/2634wr54