1. Ackah, C., & Owusu, A. (2012). Assessing the Knowledge of and Attitude towards Insurance in Ghana. In Research Conference on Micro- Insurance.
2. Ahking, W. F., Giaccotto, C. and Santerre, E. R. (2009). The Aggregate Demand For Private Health Insurance Coverage In The United States. The Journal of Risk and Insurance, 76(1), 133-135.
3. Alderson,J.C. & Bachman, L.F. (2004). Statistical Analyses for Language Assessment. New York: Cambridge University Press.
4. Aliaga, M. & Gunderson, B. (2005). Interactive statistics (3rd ed.). New Jersey: Pearson Prentice Hall
5. Altman, D.G. (1980). Statistic and ethics in medical research III: How large a sample? British Medical Journal, 28 (1), 1336-1338
6. Babbie, E. (9th ed). (2001). The practice of learning social research. USA Publishers Wadsworth Thomson Learning.
7. Bank Negara Malaysia (2010). In Annual Insurance Statistics 2010. Bank Negara Malaysia. http://www.bnm.gov.my/files/publication/dgi/en/2010/1.1.pdf
8. Bhat, R., & Jain, N. (2006). Factoring Affecting the Demand for Health Insurance in a Micro Insurance Scheme. Indian Institute of Management, Ahmedabad W.P. No. 2006-07-02
9. Cai, J., De Janvry, A., & Sadoulet, E. (2011). Social networks and insurance take up: Evidence from a randomized experiment in china. ILO Microinsurance Innovation Facility Research Paper
10. Chin, C. (2014, April 20). Policyholders to pay more for coverage. The Star. Retrieved April 20, 2014, from http://www.thestar.com.my/News/Nation/2014/04/20/Costly-medicalinsurance-Policyholders-to-pay-more-for-coverage/
11. Crosby, L. A., Evans, K. R., & Jacobs, R. S. (1991). Effects of Life Insurance Price Rebating on Stimulated Sales Encounters. Journal of Risk & Insurance, 58(4), 583-615.
12. Courbage, C., & Roudaut, N. (2008). Empirical evidence on long-term care insurance purchase in France. The Geneva Papers on Risk and Insurance, 33, 645–658
13. Comfrey, A. L., & Lee, H. B. (1992). A First Course in Factor Analysis. Hillsdale, NJ: Lawrence Erlbaum Associates.
14. Cronbach, L.J. (1951). Coefficient Alpha and the Internal Structural of Tests. Psychometrika, 16(3), 297-334.
15. Cummins, J. D., S. Tennyson, M. A., & Weiss (1999), Consolidation and Efficiency in the US Life Insurance Industry, Journal of Banking and Finance, 23(2-4),325-57.
16. Day, D., Gan, B., Gendall, P., & Esslemont, D. (1991). Predicitong Purchase Behavior. Marketing Bulletin, 2(3), 18-30.
17. Deloitte Research. (2011). The Voice of the Life Insurance Consumer. Retrieved from http://www.deloitte.com/assets/DcomUnitedStates/Local%20Assets/Docu ments/FSI/US_FSI_Life%20Survey%20POV_042012.pdf
18. Dercon, S., J.W. Gunning, & A. Zeitlin (2011a), "The Demand for Insurance Under Limited Credibility: Evidence from Kenya." In International Development Conference, DIAL.
19. Educational portal- What is primary data in marketing research? Definition, sources & collection (n.d.). Retrieved August, 11 2014, form
20. Feldstein, M.S. (1977). Quality Change and the Demand for Hospital Care. Econometrica, 45, 1681-1702.
21. Fischer, S. (1973). A life cycle model of life insurance purchases. International Economic Review, 14 (1), 132–152
22. Font, C.J., & Villar,G. J. (2009). Risk attitude and the demand for private health insurance: The importance of ‘captive preferences’. Journal of Annals of Public Cooperative Economics, 80(4), 499-519. DOI: 10.1111/j.14678292.2009.00396.x
23. Foster, A., & Rosenzweig, M. 1995. Learning by doing and learning from others: human capital and technical change in agriculture. Journal of Political Economy 103(6), 1176–1209.
24. Green, S. (1991). How many subjects does it take to do a regression analysis.Multivariate Behavioral Research, 26(3) ,499-510
25. Giné X., R. Townsend, & J. Vickery (2008), "Patterns of Rainfall Insurance Participation in Rural India." The World Bank Economic Review, 22, 539566.
26. Hair,J., Bush, R., & Ortinau, D. (2006). Marketing Research within A Changing Enviroment (3rd ed.). New York: McGraw Hill.
27. Halek, M., & J.G. Eisenhauer (2001), Demography of Risk Aversion, Journal of Risk and Insurance, 68(1), 1-24.
28. Hersch, J. (1996), Smoking, Seat Belts, and Other Risky Consumer Decisions: Differences by Gender and Race, Managerial and Decision Economics, 17(5): 471-481.
29. Ioncica, M., Petrescu, E.C., Ioncica, D., & Constantinescu, M. (2012). The Role of Education on Consumer Behavior on the Insurance Market. Procedia- Social and Behavioral Sciences, 46, 4154-4158.
30. Jackson, S.L. (2009). Research Methods and Statistics: A Critical Thinking Approach 3rd edition.
31. Kahn, R.L. & Cannel, C. F. (1957). Technique for motivating the respondent. In The Dynamic of Interviewing (p. 65-90). New York: Wiley.
32. Kissoon, J. (2011). Introduction to Computers and it Major Functions. Retrieved February 16, 2014, from Clever Logic: http://www.cleverlogic.net/book/introduction-computers-and-it-majorhttp://www.cleverlogic.net/book/introduction-computers-and-it-major-functionsfunctions
33. Kok, C. (2009, March 14). Rising Pressure of Healthcare Cost. The Star. Retrieved April 14, 2014, from http://www.thestar.com.my/story.aspx/?file=%2f2009%2f3%2f14%2fbusin ess%2f3456038
34. Korobkin, R. (2014). Comparative effectiveness research as choice architecture: the behavioral law and economics solution to the health care cost crisis. Michigan Law Review, 112(4), 523-574.
35. Krejcie, R.V., & Morgan, D.W. (1970). Determining sample size for research activities. Educational and Psychological Measurement, 30, 607-610.
36. Kruse, J.B. & Ozdemir, O. (2004). Disaster Losses in the Developing World: Evidence from the August 1999 Earthquake in Turkey. Turkish Economic Association Discussion Paper.
37. Krueger, B. A. & Kuziemko, I. (2011). The Demand for Health Insurance among Uninsured Americans: Results of a Survey Experiment and Implications for Policy. Working paper, 217.
38. Kunreuther, H. C., & Pauly, M. (2005). Insurance Decision-Making and Market Behaviour. Foundations and Trends® in Microeconomics, 1(2), 63-127. http://dx.doi.org/10.1561/0700000002
39. Lee, H.S (2013). The Impact of Emergency Room Utilization by Depression Patients on Medical Treatment Expense in Korea. Osong Public Health and Research Perspectives, 4(5), 240-245.
40. Lee, Y. W. (2012). Asymmetric information and the demand for private health insurance in Korea. Economics Letters, 116(3), 284-287.
41. Lee , & M.L. (2012). Incidents Bequests: Bequest motives and the choice of selfinsure late-life risks. Review of Economic Dynamics 15(2), 226-243.
42. Lim, C. C., & Haberman, S., (2002). Macroeconomic Variables and the Demand for Life Insurance in Malaysia. Faculty of Actuarial Science and Statistics, CASS Business School, City University (London)
43. Liu, Sun, & Zhao, 2014. Social learning and health insurance enrolment: Evidence from China’s new cooperative medical scheme. Journal of Economic Behavior & Organization, 97 ( C ), 84-102.
44. Liu, H., Gao, S. & A. Rizzo J. (2011). The Expansion of Public Health Insurance and the Demand for Private Health Insurance in Rural China. China Economic Review, 22(1), 28-41..
45. Lynch, M.S. (2006). Explaining Life Course and Cohort Variation in the Relationship between Education and Health: The Role of Income. Journal of Health and Social Behavior, 47(4), 324-338. DOI: 10.1177/002214650604700402 Measuring subjective well-being (Eds). (2013). OECD Guideline.
46. Mcguire, J. (n.d.). The Benefits of Having a College Education. Retrieved July 15, 2014, from http://www.collegeview.com/articles/article/the-benefits-of-
47. Nuzzo, R. (2014). Scientific method: Statistical errors. Nature, 50(6), 150-15.
48. Nyman,J.A. (2014). Demand for and welfare implications of health. Encyclopedia of Health Economics, 1(1), 159-166.
49. Prudential Research Study. (2012-2013). Financial Experience & Behaviors Among Women. Retrieved from https://www.cgsnet.org/ckfinder/userfiles/files/Pru_Women_Study.pdf
50. Pitaloka S. Dyah., & Rizal A.M. (2006). Patients' Satisfaction in Antenatal Clinic Hospital Universiti Kebangsaan Malaysia. Jurnal Kesihatan Masyarakat (Malaysia), 12 (10), 1-10