| Value | Category |
|---|---|
| 1 | not aware |
| 2 | not aware about availability of facility |
| 3 | not interested |
| 4 | no need |
| 5 | insurance facility not available |
| 6 | lack of resources for premium payment |
| 7 | not satisfied with terms & conditions |
| 8 | nearest bank at a long distance |
| 9 | complex procedures |
| 10 | delay in claim payment |
| 11 | others |