“…According to a previous study, the number of chronic conditions has a significant positive relationship with KM healthcare utilization [ 11 ]. Additionally, the presence of a disability closely related to chronic disease is also associated with the frequent use of KM services [ 12 ]. These studies indicate that KM plays a crucial role in managing chronic diseases and suggest the need for insurance coverage for KM treatment in the context of chronic disease management [ 12 ].…”