References World Health Organization. Membership of health insurance schemes About half of the households It is possible that this exposure contributed significantly to their perceptions on health insurance and that these are likely to be different in other settings. The 16 focus group discussions FGDs were conducted in 4 of the 6 villages in which the household survey had previously been conducted. Health insurance is currently being considered as a mechanism for promoting progress to universal health coverage UHC in many African countries. Another person is better off and is able to pay the package that allows him or her go to more expensive hospitals. The majority of the population cannot afford to pay for health care, the poor are less likely to utilize health services when they are ill, and wide disparities in utilization exist between geographical regions and urban and rural areas [ 17 , 18 ].
Good quality services, particularly related to drug availability and interpersonal relationships between clients and health providers can boost trust in the public system and in so doing encourage people to belong to health insurance. Cross-sectional household survey data were double-entered into Visual FoxPro version 9. Therefore we are requesting you to fill this questionnaire and provide relevance information according to the instruction issued. Should this approach be adopted, the government must be willing to subsidise and support CBHIs to ensure that they are well designed, attract large numbers to allow for risk-pooling and subsidise membership for the poor. Out-of-pocket payments accounted for The two districts were chosen because they have a long history of CBHIs, covering around , people and their dependants. Secondary data was collected from various sources of documents.
Mean household size was four and ranged from 2 to Age of the Respondents Table 2: Negative perceptions impact on trust in the public health system and hinder progress towards universal health coverage.
Income cross-subsidisation was relatively well understood, with the majority of the population expressing their willingness and importance of the well off in society to subsidise contributions by the poorest groups. Access to cash in many rural areas and in the informal sector is seasonal and making sure that timing for making contributions correspond with peak seasons when people have access to most of their annual income could improve on affordability and sustainability of premiums.
Moreover, the government should ensure plenty supply of health centers and medical facilities to accommodate other members who are not the beneficiaries. Experiences reported elsewhere suggest that discrimination could be due to many factors including cumbersome claiming process on the side of health facility, often leading to long gaps between providing services and payment; long administrative procedures, meaning that scheme members take longer to be attended to as their names reviee to be searched in databases that are often not in a user friendly manner [ 24 ].
It is important that the concerns raised regarding poor quality of care in Kenya, particularly in the public revifw are addressed before implementation of the NHIS. Essays in science albert einstein. Not being able to pay in instalments was another reason given that made it difficult for people to join Literayure. This evidence has contributed to a recent shift in health financing debates worldwide; away from OOP payments towards mechanisms that protect the population from catastrophic costs and impoverishment.
The CBHIs identify specific health care facilities in close proximity to their geographical locations to provide health care services to their members.
Sector Plan for Health — National Hospital Insurance Fund accreditation manual. To identify challenges that faces rural members in accessing services from NHIF.
Health insurance is currently being considered as a mechanism for promoting refiew to universal health coverage UHC in many African countries.
If my financial ability allows me to pay for the Karatina District Hospital package [public hospital], that is where I will go. This will include assessing the mechanisms to increase tax revenue collection, through for example improving efficiency in revenue collection rwview introducing innovative taxes to support the health system. I think the group [CBHI] literqture have originated from there and promoters are there almost every other Sunday.
Affordability of premiums, timing of contributions and the extent to which the needs of the poorest population would be met under a contributory scheme were major issues of concerns for a NHIS design. Limited understanding of health insurance prevented people from becoming members.
World Health Organisation, editor. R8 [ Google Scholar ] Ministry of Health.
This study was conducted in two settings with a strong presence of CBHIs. Wide dissatisfaction with the public health system was reported.
Here [by contributing] we are just helping the government so that we are able to help each other. The two tables below shows the clarification of the above quality and services rendered by NHIF and Rural Members as well as the respondent awareness.
However, none of the schemes had any arrangements to waive or subsidise contributions for the poorest groups, although it was reported, that CBHIs had different packages to care for people of different socio-economic status: Before most people used to think that only those who are employed can join. We extend our lf to the supervisor, Mr. Although the Kenyan policy discussions are more geared towards a contributory national health insurance scheme, participants expressed their litfrature for a tax – funded scheme, since all Kenyans pay taxes either directly or indirectly.
Private purchasing institutions were hardly preferred