Health Insurance Literacy Measurement Based On Property Measurement And Cross-Cultural Validation (Case Study: Customers Of Pt. Chubb Life Insurance, Medan Branch)

Ali Rahman; Waizul Qarni; Nuri Aslami

doi:10.63922/ijebir.v5i06.6868

Ali Rahman Sharia Insurance ,Islamic Economics and Business,State Islamic University of North Sumatra
Waizul Qarni Sharia Insurance ,Islamic Economics and Business,State Islamic University of North Sumatra
Nuri Aslami Sharia Insurance ,Islamic Economics and Business,State Islamic University of North Sumatra

DOI: https://doi.org/10.63922/ijebir.v5i06.6868

Keywords: Health Insurance Literacy, Property Measurement, Cross-Cultural Validation

Abstract

This study aims to determine the measurement of health insurance literacy, considering the difficulties many people face when selecting and navigating health insurance plans. Health insurance literacy (HIL) has been discussed as a critical driver for ensuring efficient choice and navigation in a choice-based health insurance system. The research method used in this study was quantitative. This research uses saturated samples, namely taking place at PT. Chubb Life Insurance, Medan Branch, with 37 active insurance customers participating in a 21-item questionnaire. The measurement properties were investigated overall and by linguistic group. Internal reliability was determined using Cronbach's alpha. Criterion validity was examined using SPSS. Construct validity was assessed using factor analysis. The measurement invariance of the HILM across groups was further evaluated using multiple-group confirmatory factor analysis. The HILM-CH results had acceptable to good reliability (alpha between 0.60 and 0.91). Validity indicates that the HILM is a good measure of HIL. Factor analysis revealed a five-factor model and demonstrated acceptable data values (CFI = 0.960; TLI = 0.955; RMSEA = 0.089; SRMR = 0.060). Using the existing five-factor model, measurement invariance was established across the Chinese, Batak, and Jawa.

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