Determinants of national hospital insurance fund acceptance on the self-employed in Mathare constituency-Nairobi city county
Lung'e, Patrick Meeme
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This study was meant to address the issue of health insurance penetration, especially by the National Hospital Insurance Fund), among the low income groups of the society in Kenya. As such, the researcher is interested in the self-employed group, for instance, people who have no formal employment hence are not salaried. This group currently constitutes the largest percentage of the socio-economic groups in Kenya and Africa at large. This research takes particular concern in Universal Health, which is one of the main goals set forth in the Millennium Development Goals. According to the discussions of the Millenium Development Goals, each government was required to allocate fifteen per cent of their national budget to provision of health care . Kenya has not achieved this requirement to date, with only 5.4 per cent of the GDP allocated to healthcare provision every year (Mwaura, 2007). The new constitution recognizes National Hospital Insurance Fund as one of the key pillars of affordable healthcare provision in Kenya (Constitution of Kenya, 2010). This being a social insurance scheme, it is expected to be easily accessible and affordable to most Kenyans. However, most Kenyans have not listed for the healthcare insurance scheme yet. This research will primarily endeavour to establish the factors that are hindering the penetration of this healthcare insurance scheme in the Kenyan societies, with special interest to the self-employed group. This study will be conducted in randomly selected hospitals in Mathare Constituency, Nairobi County. An extensive literature review will be carried out basing on: Structure of the Kenyan Healthcare Provision System; Structure and Roles of National Hospital Insurance Fund; and Challenges to Healthcare Insurance. The research will target 5 medical personnel, 5 National Hospital Insurance Fund personnel and 40 self-employed patients from each of the two selected hospitals. This will make up a total sample size of 100 respondents. The study will employ self-administered questionnaires for each of the target respondents. The researcher will ascertain the validity of the questionnaire as a tool of research that will be employed in this study by way of a pilot study he will be required to carry out prior to this research. The researcher will obtain a research permit from the National Council for Science and Technology as required the law then go to selected hospitals to .adrninister the questionnaires for the purpose of data collection. The raw data collected will then be cleaned and edited in readiness for statistical processing using SPSS and MS excel spread sheets. The processed data will be represented in form of charts and graphs generated from the MS Excel spread sheets or SPSS software for ease of analysis. Data will be analyzed based on the prepositions of the Maslow's theory of basic needs and Conventional health insurance theory. For comparison between different socio-economic groups and educational levels, a one-way analysis of variance (ANOVA) will be performed. Findings will be valid at within 5% significance. This data will be expected- to demonstrate the-challenges facing the uptake of National Hospital Insurance Fund in Mathare Constituency, and come up with suggestions on how to improve the rate of National Hospital Insurance Fund uptake. The recommendations generated will help guide policy making.