The premium (price) was found to be the key determining factor that affects the demand for VCHI. The average maximum amount of the willingness to pay (WTP) for VCHI was Int$114.38 per month per household (SD = 99.75; median = 86.71), and this was shown to be positively influenced in a univariate analysis (p < 0.05) by factors such as ethnicity, educational level, household monthly income, types of chronic disease and current VPHI subscription