**5. Factors influencing access to reliable healthcare financing in old age**

Having conceptualised access to reliable healthcare financing, demonstrated the need for access to reliable healthcare financing and shown the statistics of access

to reliable healthcare financing, this section discusses various factors influencing access to reliable healthcare financing in old age. The discussions in this section are based on authors' experiences in the healthcare system, narrative review of existing literature and interactions with some elderly people. Specifically, the factors that influence access to reliable healthcare financing in old age, as discussed in this section and depicted in **Figure 1**, include age, sex, availability of health insurance, income level, educational attainment, social capital and geographical factor.
