Saturday, December 22 2012 16:59

Most of Yerevan residents can afford health insurance but are not ready to pay for it


ArmInfo. Most of the Yerevan residents can afford health insurance but are not ready to pay for it, says a survey conducted by M-Info marketing company among 500 people living in Yerevan, including civil servants.

96.6% of the respondents said that they would not spend part of their earnings on compulsory health insurance even though most of them earn more than the average monthly wage in the country. Only 16 of them (3.2%) are ready to insure their health, but only if they pay no more than 10,000 AMD a month.

The survey has shown that the Yerevan residents are quite indifferent to the Government's efforts to introduce compulsory health insurance (CHI) in the country. Only 75 respondents (15%) had health insurance policies, with more than half of them having applied for it not on their own will but on demand of their employers or when going abroad. Some of them were just employees of insurance companies.

Over 80% of the respondents said that they were aware of CHI though giving either very general and common or quite controversial definitions. Almost of them said that CHI was "health insurance." 18 respondents said it was "just a formality and something unnecessary." 15 called it "a health care program." 6 confused it with the social package for civil servants. 1 respondent said that CHI was a formality introduced solely for meeting the European requirements.

The survey has revealed the most popular insurance companies in Yerevan. The companies named by the respondents are mostly the leaders of the insurance market. Rosgosstrakh Armenia was known by 56.6% of the respondents, INGO Armenia by 47%, Garant Insurance by 45.6%, RESO by 41.8%, Nairi Insurance by 40.6%. 8% remembered Sil Insurance - even though that company does not insure health. 19% gave the names of no longer operative companies. 10% failed to remember any name at all.

19.1% of the respondents said that they trusted Rosgosstrakh Armenia, 9.5% Garant Insurance, with the latter respected mostly for high quality, good doctors and optimal prices. INGO Armenia has exactly as many supporters as Garant Insurance. 35 respondents trust RESO, 32 Nairi Insurance (due to its high experience and competent doctors). Almost 1/3 of the respondents were not sure who they trusted the most. 12.6% trusted nobody, with only 2 respondents trusting RASCO and Sil Insurance.

The survey has also revealed the most effective sources of information about health insurance. Almost 1/3 of the respondents learned about the service from their friends or relatives, as many from the internet, radio or TV. Outdoor ads were a source for as 16.8%. 15% of the respondents were aware of health insurance because their health had been insured before. As many as 14.8% were completely unaware of the service.

When asked what they would like to add to the standard package of health insurance, more than half named dental services. 47% would like to see there diagnostic services. Over 1/3 would like the package to contain insurance against cardiovascular diseases. Almost 1/4 of the respondents voted for therapeutic services, 14% for gynecological services, 4% for dermatological ones.

When asked if the price of the health insurance policy was equivalent to the quality of the services it implied, 4 of those having the policy said that the quality was higher than the price. 7 respondents believe that the policy is a bit expensive. 5 people said it was very expensive. 43 respondents said the price and the quality were equivalent.

M-Info is a consulting company specializing in marketing research and market analysis as well as in preparing and providing business information and reference data on specific companies in Armenia. Among the founders of the company is ArmInfo News Agency.
POST A COMMENT
Input digits     


News
Yerevan`s 2026 budget estimate ready Yerevan`s 2026 budget estimate ready 
Media: Grain from Volgograd to be delivered to Armenia via AzerbaijanMedia: Grain from Volgograd to be delivered to Armenia via Azerbaijan
MSMEs share in Armenia`s GDP increased from 31% to 34% in one year MSMEs share in Armenia`s GDP increased from 31% to 34% in one year 
WizzAir to launch direct flights between Yerevan and London starting  in summer 2026WizzAir to launch direct flights between Yerevan and London starting  in summer 2026
Scholarship for 100 Artsakh Students as Part of IDBank’s “Side by Side” ProgramScholarship for 100 Artsakh Students as Part of IDBank’s “Side by Side” Program
EAEU leaders agree on approaches to developing trade with their key  partners in medium termEAEU leaders agree on approaches to developing trade with their key  partners in medium term
Kılıç: Turkish Airlines will begin daily flights on the Istanbul-Yerevan-Istanbul route from March 11, 2026.Kılıç: Turkish Airlines will begin daily flights on the Istanbul-Yerevan-Istanbul route from March 11, 2026.
Armenia proposes Egypt to consider opening  TUMO centerArmenia proposes Egypt to consider opening  TUMO center
Mining remains a social pillar of Armenia`s regions - studyMining remains a social pillar of Armenia`s regions - study
Armenia, Egypt discuss prospects for developing cooperation in  agricultureArmenia, Egypt discuss prospects for developing cooperation in  agriculture
The results of the second Junius financial literacy competition have been summarizedThe results of the second Junius financial literacy competition have been summarized
 From idea to implementation: Ameriabank Presents the Programs Implemented under My Ameria, My Armenia CSR Campaign From idea to implementation: Ameriabank Presents the Programs Implemented under My Ameria, My Armenia CSR Campaign
Armenia`s Ambassador to the United States attends USACC roundtable on  TRIPPArmenia`s Ambassador to the United States attends USACC roundtable on  TRIPP
Expert casts doubt on origin of recent Azerbaijani gasoline import to  ArmeniaExpert casts doubt on origin of recent Azerbaijani gasoline import to  Armenia
Pashinyan one again thanked Aliyev at EAEU Supreme Council meetingPashinyan one again thanked Aliyev at EAEU Supreme Council meeting
First robotic surgery performed in ArmeniaFirst robotic surgery performed in Armenia
World Bank remains reliable strategic partner in Armenia`s  infrastructure development, says MinisterWorld Bank remains reliable strategic partner in Armenia`s  infrastructure development, says Minister
In Armenia`s interbank foreign exchange market from December 15 to  19, 2025, there was a decrease in dollar and ruble transactions, with  an increase in euro transactionsIn Armenia`s interbank foreign exchange market from December 15 to  19, 2025, there was a decrease in dollar and ruble transactions, with  an increase in euro transactions
Train loaded with  SOCAR petroleum products arrives in ArmeniaTrain loaded with  SOCAR petroleum products arrives in Armenia
RA Finance Minister, French Ambassador and AFD representative discuss  budget support programs RA Finance Minister, French Ambassador and AFD representative discuss  budget support programs 
RA Economy Minister: 22 railcars of Azerbaijani petroleum crossing  Armenian-Georgian borderRA Economy Minister: 22 railcars of Azerbaijani petroleum crossing  Armenian-Georgian border
Azerbaijani fuel import to Armenia  indicates  lack of economic  policy: David AnanyanAzerbaijani fuel import to Armenia  indicates  lack of economic  policy: David Ananyan
Fly Kish starts operating flights on route Tehran-Yerevan-Tehran Fly Kish starts operating flights on route Tehran-Yerevan-Tehran 
Analyst: EDB sees a possible slowdown in economic growth outside the country as the primary risk for the Armenian economy in 2026-2028Analyst: EDB sees a possible slowdown in economic growth outside the country as the primary risk for the Armenian economy in 2026-2028
Prime Minister: Train carrying petroleum products  heading from  Azerbaijan to ArmeniaPrime Minister: Train carrying petroleum products  heading from  Azerbaijan to Armenia
RA Prime Minister confirms that Hungary has lifted its veto on the  decision to allocate 20 million euros to Armenia within the framework  of  European Peace Facility RA Prime Minister confirms that Hungary has lifted its veto on the  decision to allocate 20 million euros to Armenia within the framework  of  European Peace Facility
Armenia  approached its Russian partners with proposal to discuss   possibility of constructing railway line from Yeraskh to  Nakhichevan  borderArmenia  approached its Russian partners with proposal to discuss   possibility of constructing railway line from Yeraskh to  Nakhichevan  border
RA Prime Minister of Armenia to attend  Supreme Eurasian Economic  Council Meeting  in St. PetersburgRA Prime Minister of Armenia to attend  Supreme Eurasian Economic  Council Meeting  in St. Petersburg
EDB Macroeconomic Outlook: Eurasian economies to grow to 9.3% in 2026 EDB Macroeconomic Outlook: Eurasian economies to grow to 9.3% in 2026
Converse Bank joins the Partnership for Carbon Accounting Financials Converse Bank joins the Partnership for Carbon Accounting Financials 
Mandron: EDB no longer plans to participate in  Amulsar gold deposit  development projectMandron: EDB no longer plans to participate in  Amulsar gold deposit  development project
Mandron: EDB interested in participating in Yerevan`s Ajapnyak metro  station construction projectMandron: EDB interested in participating in Yerevan`s Ajapnyak metro  station construction project
Ardshinbank Launches New Toolkit on sme.ardshinbank.am Platform for SMEsArdshinbank Launches New Toolkit on sme.ardshinbank.am Platform for SMEs
EDB plans to increase investment in Armenia`s economy to $500 million  by the end of 2026 EDB plans to increase investment in Armenia`s economy to $500 million  by the end of 2026
Pashinyan calls for Pashinyan calls for "resolving cash issue" and closing stores that  offer discounts for cash payments
EDB forecasts 6% economic growth in Armenia by the end of 2025 EDB forecasts 6% economic growth in Armenia by the end of 2025
Azerbaijan to send first shipment of petroleum products to ArmeniaAzerbaijan to send first shipment of petroleum products to Armenia
Armenia  establishes tariff quotas for long-grain rice from Vietnam  as part of Free Trade Agreement between Eurasian Economic Union and  VietnamArmenia  establishes tariff quotas for long-grain rice from Vietnam  as part of Free Trade Agreement between Eurasian Economic Union and  Vietnam
Pan-Armenian competition Innovate Armenia  launchedPan-Armenian competition Innovate Armenia  launched
AraratBank Supports Digitization of AraratBank Supports Digitization of "Karin" Scientific Center Archive
Welcome to the ID booth: Big Christmas MarketWelcome to the ID booth: Big Christmas Market
Opportunities for expanding economic cooperation between Armenia and Switzerland discussed in YerevanOpportunities for expanding economic cooperation between Armenia and Switzerland discussed in Yerevan
24th meeting of  Armenian-Russian Intergovernmental Commission on  Economic Cooperation  held in Yerevan24th meeting of  Armenian-Russian Intergovernmental Commission on  Economic Cooperation  held in Yerevan
PSRC approves Gazprom Armenia`s investment program for 2026-2030PSRC approves Gazprom Armenia`s investment program for 2026-2030
Georgian PM comments on oil  product supplies from Azerbaijan to  ArmeniaGeorgian PM comments on oil  product supplies from Azerbaijan to  Armenia
RA State Revenue Committee proposes to postpone  implementation of  digital systems  that ensure fulfillment of tax obligations for  six-monthsRA State Revenue Committee proposes to postpone  implementation of  digital systems  that ensure fulfillment of tax obligations for  six-months
Central Bank of Armenia:  Refinancing rate lowered from 6.75% to 6.5% Central Bank of Armenia:  Refinancing rate lowered from 6.75% to 6.5% 
EIB to provide  50 million euro loan to Armenia for  implementing  EIB to provide  50 million euro loan to Armenia for  implementing  "Armenia - Sustainable Syunik" program
Armenia to receive $250 million loan from Asian Development Bank to  address housing needs of internally displaced persons from  Nagorno-KarabakhArmenia to receive $250 million loan from Asian Development Bank to  address housing needs of internally displaced persons from  Nagorno-Karabakh
Diplomat: Russia  is proving its status as Armenia`s key trade and  investment partner in practiceDiplomat: Russia  is proving its status as Armenia`s key trade and  investment partner in practice
Idcoins and idplus gift cards at Big Christmas MarketIdcoins and idplus gift cards at Big Christmas Market
The Minister of High-Tech Industry of Armenia discussed cooperation issues with representatives of SupermicroThe Minister of High-Tech Industry of Armenia discussed cooperation issues with representatives of Supermicro
American diplomat: The United States seeks to ensure Armenia`s energy independenceAmerican diplomat: The United States seeks to ensure Armenia`s energy independence
Another wheat shipment being transported to Armenia via Azerbaijan -  Economy Minister Another wheat shipment being transported to Armenia via Azerbaijan -  Economy Minister
"In Our Way" movement: What kind of winemaking center are we talking  about if Kakheti exports $200 million worth of wine, while Vayots  Dzor only exports $2 million?
Armenia  improved control of products subject to phytosanitary  supervision - RosselkhoznadzorArmenia  improved control of products subject to phytosanitary  supervision - Rosselkhoznadzor
Armenia`s mining industry potential  showcased at  Resources of  Tomorrow exhibition in LondonArmenia`s mining industry potential  showcased at  Resources of  Tomorrow exhibition in London
EIB Global and Ardshinbank launch €100 million partnership to boost business growth and job creation in ArmeniaEIB Global and Ardshinbank launch €100 million partnership to boost business growth and job creation in Armenia
Armenia collected 2, 441.9bn drams in taxes by December 2025,  compared to planned 2, 720.3bn drams for the yearArmenia collected 2, 441.9bn drams in taxes by December 2025,  compared to planned 2, 720.3bn drams for the year
Armenia the sixth  largest exporter of fish to the Russian marketArmenia the sixth  largest exporter of fish to the Russian market
Read more
Exchange rates
23.12.2025
RUB4.870.05
USD381.550.05
EUR450.112.50
GBP515.633.20
CAD278.541.45
JPY24.470.23
CNY54.290.08
CHF484.573.67


Experts
Mining remains a social pillar of Armenia`s regions - studyMining remains a social pillar of Armenia`s regions - study
Analyst: EDB sees a possible slowdown in economic growth outside the country as the primary risk for the Armenian economy in 2026-2028Analyst: EDB sees a possible slowdown in economic growth outside the country as the primary risk for the Armenian economy in 2026-2028
Expert critical of compulsory medical insurance Expert critical of compulsory medical insurance 
Read more

Commented
ATI.SU: Demand for international cargo transportation 30% up in  ArmeniaATI.SU: Demand for international cargo transportation 30% up in  Armenia
Civil Contract nominates Armen Ktoyan for  Central Bank Board Member  positionCivil Contract nominates Armen Ktoyan for  Central Bank Board Member  position
Armenia, France considering prospects for expanding technological  cooperation  Armenia, France considering prospects for expanding technological  cooperation  

Company bonds
UCO CJSC "GLOBAL CREDIT"1
UCO CJSC "GLOBAL CREDIT"3
UCO CJSC "GLOBAL CREDIT"4
UCO CJSC "GLOBAL CREDIT"5
UCO CJSC "GLOBAL CREDIT"7
"National Mortgage Company"2A
"National Mortgage Company"2B
UCO CJSC “FINCA” 1
UCO CJSC “FINCA” 2