Browsing by Author "Ngeniuko, Grace"

Now showing 1 - 1 of 1
  • No Thumbnail Available
    Item
    Analysis of health insurance adoption and its effects on health care utilization in Tanzania: A case of Njombe district.
    (Mzumbe University, 2018) Ngeniuko, Grace
    Health is one of the important pillars of socioeconomic that promotes the welfare of the individual and the nation. To address the problem of access to health care services in order to improve health status, Tanzania has implemented various policies for the past two decades. These efforts include the introduction of health insurance whereby over 30% of Tanzanian has been enrolled with health insurance. Furthermore, Tanzania has made significant progress with regards to investment in health sector by promoting major health policies aiming at enhancing sustainability of health status of its populace. Despite of various efforts to improve health sector, the sector is still faced with various challenges including low utilization of health care services. The purpose of this study was to examine the influence of health insurance on health care utilization in Njombe district. Specifically the study examined the extend of peoples adoption of health insurance, social-economic factors influencing adoption of health insurance and the effect of health insurance on healthcare utilization. To archive the objectives the study employed data from primary source drawn from 138 samples of respondents including 79 adopters and 59 non adopters of health insurance respectively. The probit model was used to examine the effect of social-economic factors influencing adoption of health insurance and ordered probit model on the effect of health insurance on healthcare utilization. Descriptive statistics were used to examine the extent of adoption of health insurance in Njombe district. The findings from the study shows that, 57.2% of respondents adopted health insurance and 42.8% were adopters, where age, sex, income level, household size, household dependency, premium affordability and education level were statistically factor explaining the adoption of health insurance. Furthermore marital status, education level, household income, distances and health insurance is statistical significant influencing health care utilization. Lastly the study recommends for the awareness creation, remove boundaries of health insurance usage, and increase supply of medicines, and capacity building for health insurance management in order to increase coverage of health insurance so as to improve healthcare utilization in Njombe district.