| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | premium | Brazil | Consumers in India and Brazil are more price-sensitive and may not readily pay a premium for products unless they perceive significant added value. | 1 |
| 2 | premium payment | Argentina | Premium payment for life insurance is less common and not widely accepted | 1 |
| 3 | premium payment | Brazil | Premium payment for private health insurance is less common | 1 |