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Title: Awareness and Availing of Insurance Products and Services Among Tribal Community of Aralam in Kannur District of Kerala
Authors: Sreejesh V. V and Dr Rajesh S P
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Sreejesh V. V1 and Dr Rajesh S P2 1. Research Scholar, Department of Commerce, Bharathiyar University, Coimbatore. 2. Assistant Professor, Department of Finance & Accounting, Indian Institute of Management. Raipur, Chattisgarh.
MLA 8 V.V, Sreejesh, and Dr Rajesh S.P. "Awareness and Availing of Insurance Products and Services Among Tribal Community of Aralam in Kannur District of Kerala." Int. j. of Social Science and Economic Research, vol. 9, no. 6, June 2024, pp. 1864-1879, doi.org/10.46609/IJSSER.2024.v09i06.017. Accessed June 2024. APA 6 V.V, S., & S.P, D. (2024, June). Awareness and Availing of Insurance Products and Services Among Tribal Community of Aralam in Kannur District of Kerala. Int. j. of Social Science and Economic Research, 9(6), 1864-1879. Retrieved from https://doi.org/10.46609/IJSSER.2024.v09i06.017 Chicago V.V, Sreejesh, and Dr Rajesh S.P. "Awareness and Availing of Insurance Products and Services Among Tribal Community of Aralam in Kannur District of Kerala." Int. j. of Social Science and Economic Research 9, no. 6 (June 2024), 1864-1879. Accessed June, 2024. https://doi.org/10.46609/IJSSER.2024.v09i06.017.
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ABSTRACT: The aim of the study is to investigate the awareness and availing of insurance products and services among tribal community of Aralamin Kannur district of Kerala by focusing various type of insurance products and services. In recent years, importance and form of insurance has vast challenge in all sectors due to the unpredictable changes in the society and environmental conditions. All the societies adopted the insurance either due to compel from government or the awareness as well as the experience in the society but the socially and educationally weaker section lag behind it, especially tribal communities. A well-structured form of survey methodology is applied to investigate the awareness and availing of insurance products and services among the tribal community in the study area. The sample of 200 tribal households from Aralam panchayat of Kannur district (Kerala) was randomly selected. The study shows that most of the respondents (64.5%) had a basic level of knowledge health insurance services. Majority of the respondents of the tribal community are not aware of Personal accident insurance, Crop insurance, Livestock insurance, General insurance and Vehicle insurance. Around fifty percentage of the respondents are aware of life insurance services. Study discloses that there exist significant association between the awareness of life insurance and Vehicle insurance among various tribal communities. But there is no significant association between the awareness of health insurance, personal accident insurance, crop insurance, livestock insurance and general insurance among various tribal communities. It is seen that, 33.0 percentage of the respondents are availed any of the insurance services, and 67.00 percentage are not availed any of the insurance service.

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