Economics (FSS)

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Browsing Economics (FSS) by Author "Buhire, Julius Evans"

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    Health insurance coverage and financial protection among slum dwellers in Tanzania: A case of Dar es salaam region
    (Mzumbe University, 2019) Buhire, Julius Evans
    Universal health coverage is an objective for most countries. It enshrines the key elements of how health systems can contribute to the betterment of health in general. We looked at the definition interms of WHO (2005) which involves as access to key promotive, preventive, curative and rehabilitative health interventions, while guaranteeing adequate protection against financial risks. The research was enshrined in talking of health insurance coverage but not in general population but to those who reside in slum areas, these areas have their own characteristics interms of poor economic, environmental as well as poor security status. The research involved Tanzania because only 20% of all Tanzanians have access to health insurance, Dar es Salaam region was taken as the case study whereby the municipalities of Kinondoni, Ilala, as well as Ubungo were taken into consideration due to high rural-urban migration as well as high rate of urban growth in the region. The research generally aimed to analyse health insurance coverage and financial protection among slum dwellers in Dar es Salaam when faced with unforeseen health contingencies. The research study involved 2 models that which included the binary model through probit regression this was aimed for the regression of the factors influencing ownership of health insurance among those slum dwelling individuals the other model included the ANCOVA model that aimed in regressing out of pocket payments in order to measure the financial protection that health insurance owners may be provided by purchasing health insurance, with the study containing 400 individuals as sample size with 162 individuals that were seen to possess health insurance, questionnaires and interview were used as the data collection method was purposive sampling. The results of the collected information showed that many of the individuals had no health insurance interms of percentages we see that 59.5% of the sample taken had no health insurance, while 40.5% of the sample taken had access to health insurance whether private or public health insurance, while interms of out of pocket payments, we noticed that 16,160TZS was the average out of pocket payments of individuals when purchasing health services. The government and its sub-sectors can come up with strategies that involve education towards the individuals so as to increase health insurance knowledge among the regions of Tanzania