The Use of Health Insurance Companies' Digital Tools from the Viewpoint of the Insured in the Czech Republic

This bachelor thesis examines the utilization of digitalization in healthcare from the perspective of insured persons, specifically focusing on client portals and mobile applications provided by health insurance companies. The objective of the study is to determine how policyholders utilize these tools, identify the benefits and barriers associated with them, and assess whether their usage correlates with age, digital literacy, and trust in personal data protection. The empirical section is based on a quantitative questionnaire survey conducted among 100 respondents. The data were analyzed using descriptive statistics and the chi-square test of independence. The results indicate that 59% of respondents use the digital tools offered by health insurance companies, primarily for administrative purposes and to maintain an overview of their health insurance status. The study confirmed a significant correlation between the use of these tools and variables such as age, digital skills, and trust in data protection. The thesis highlights the need for improved awareness among the insured and the importance of providing support to less digitally proficient users.