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Household expenditure on life and health insurance

The increasing wealth in society is accompanied by the growing demand for life and health insurance. In recent years, there has been a rising interest in insurance products offering consumers access to private healthcare facilities, which ensure shorter waiting times for an appointment with a specialist than in public facilities, as well as quick diagnosis and high quality of services. The aim of the study was to determine the level of health and life insurance expenditure in different household types. Their position in the overall household expenditure structure and in the expenditure on consumer goods and services has also been determined. In 2015–2019 the number of consumers purchasing health policies, both individual and institutional, has more than doubled and their spending on health insurance was 84% higher in 2019 than in 2015. The largest amount for the purchase of life and health insurance was allocated in the households consisting of white-collar workers (more than 131 PLN per person yearly), while the lowest in farmer households (more than 30 PLN per person yearly).