PRIVATE HEALTH INSURANCE DEMAND IN KOSOVO: VALUE, TRUST, AND SERVICE QUALITY

BAJRAKTARI, Kaltrina and JOLDESA, Irina (2026) PRIVATE HEALTH INSURANCE DEMAND IN KOSOVO: VALUE, TRUST, AND SERVICE QUALITY. In: INTERNATIONAL CONFERENCE “FROM RESEARCH TO APPLICATION”, 18-19 November, 2026.

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Abstract

Health insurance contributes to healthcare as well as to financial protection, and this applies to both public and private insurance. Although in some countries, such as Kosovo, public health insurance is currently not implemented, the use of private health insurance also remains low. This study examines the relationships between the perceived value for the money that needs to be paid and the intention to obtain insurance, while also identifying the role of trust and perceived service quality. A quantitative survey with 205 respondents was conducted in the study, using a Likert scale with several statements and ordinary least squares (OLS) regression analyses. The findings show a positive association between perceived value for money and the intention to obtain insurance, while trust in the insurer and perceived service quality were positively associated with perceived value.

Item Type: Conference or Workshop Item (Paper)
Subjects: H Social Sciences > H Social Sciences (General)
Divisions: Faculty of Law, Arts and Social Sciences > School of Social Sciences
Depositing User: Unnamed user with email zshi@unite.edu.mk
Date Deposited: 11 Nov 2026 11:07
Last Modified: 11 Nov 2026 11:07
URI: http://eprints.unite.edu.mk/id/eprint/2726

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