Browsing by Author "Stephen Nambwira"

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    Key factors influencing adoption of Health Insurance in Mbale District in Eastern Uganda
    (Insurance Training College, 2024-11-06) Stephen Nambwira; Tobias Onweng
    The research investigated key factors that influence the adoption of health insurance in Mbale district. A survey research design was employed in which data was collected from randomly sampled respondents and a mixed method approach employed including qualitative and quantitative methods of data collection and analysis. A sample of 110 elements drawn for company employed and self-employed persons enrolled in five insurance companies was determined by using Krejcie and Morgan Table of Sample Size Determination (Krejcie and Morgan, 1970). Clients of five insurance companies using health insurance were selected. Five key informants comprising managers of insurance companies were purposively selected. Data was collected from key informants using key informants’ interviews and from clients using semi-structured interviews. Quantitative data was analyzed using frequencies and percentages. Content analysis technique was used to analyze qualitative data from key informants. Results show that key factors that motivate clients to enroll for health insurance included requirements from their companies that they enroll, the desire to get treated easily when they are sick and the fear of spending out of pocket when they get sick. Factors that made it easy or facilitated clients to enroll for health insurance included employment status, awareness of health insurance, educational status and income availability. The research concluded that key factors that influence adoption of health insurance included requirement by companies and desire to be benefit from easy treated when sick. According to key informants’ motivation to enroll in health insurance included awareness of the benefits of insurance, affordability of insurance premium and quality of health services. The research recommended that the public should be sensitized about the benefits and importance of insurance to increase enrollment of uptake, and health insurance should be made affordable to increase access of low-income communities to health insurance service.