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Informative Article | Public Health | Volume 15 Issue 5, May 2026 | Pages: 1056 - 1057 | India
Willingness to Participate in Community-Based Dental Insurance in Urban Lucknow: An Analytical Cross-Sectional Study
Abstract: Oral diseases impose a significant yet under-recognized burden on populations [1], particularly in urban India where treatment is largely financed through direct out-of-pocket payments [6]. This often leads to delayed care and increased financial stress. Innovative financing approaches such as Community-Based Dental Insurance (CBDI) can play a crucial role in addressing these challenges. The present study evaluates the readiness of urban residents in Lucknow to participate in CBDI schemes and examines factors influencing their willingness to contribute financially. A cross-sectional survey was carried out among 200 adults selected through a multistage sampling approach. Data were gathered using a structured questionnaire and analyzed using appropriate statistical techniques. Findings indicate that dental morbidity was common, with a large proportion of individuals experiencing financial strain due to treatment costs. Although awareness of dental insurance options was limited, the perceived importance of such schemes was high. A considerable proportion of participants expressed interest in enrollment, and more than half indicated willingness to pay, particularly for low-cost premium models. Socio-economic and awareness-related factors showed significant association with payment willingness. The study highlights a clear opportunity to introduce affordable, community-oriented dental insurance initiatives to strengthen oral healthcare access and financial protection.
Keywords: Community-Based Dental Insurance, Oral Health Access, Willingness to Pay, Health Financing India, Preventive Dentistry, Urban Health Systems
How to Cite?: Dr. Harshit Bansal, "Willingness to Participate in Community-Based Dental Insurance in Urban Lucknow: An Analytical Cross-Sectional Study", Volume 15 Issue 5, May 2026, International Journal of Science and Research (IJSR), Pages: 1056-1057, https://www.ijsr.net/getabstract.php?paperid=SR26516233252, DOI: https://dx.dx.doi.org/10.21275/SR26516233252