Strategic Decisions and Uptake of Private Health Insurance in Nairobi City County, Kenya
| dc.contributor.author | Muchori, Njenga Stephen | |
| dc.date.accessioned | 2026-02-23T09:45:11Z | |
| dc.date.available | 2026-02-23T09:45:11Z | |
| dc.date.issued | 2025-09 | |
| dc.description | A Research Project Submitted to the School of Business, Economics, and Tourism in Partial Fulfilment of the Requirements for the Award of the Degree of Master of Business Administration (Strategic Management) of Kenyatta University, September, 2025. Supervisor 1. Stephen M.A. Muathe | |
| dc.description.abstract | Private health Insurance play a vital role in healthcare financing, offering individuals and families’ access to quality and wider coverage healthcare services. However, the uptake of private health insurance remains suboptimal, with significant portion of the people still relying on out-of-pocket expenditures for healthcare expenses. Statistics indicate that 83.3% of Kenyans are in the informal sector and only employees have subscribed to the government’s national hospital insurance fund and about 2% of all employees have public health insurance, mainly those in formal employment. Additionally, data indicates that only one in four Kenyans have some type of health cover, with Kenya’s health insurance coverage at 20%. Thus, the present investigation examined the effect of strategic decision on uptake of private health insurance services, specifically, the study examines the effect of level of coverage, cost and affordability, network of health providers and quality of services on uptake of private health insurance services in Nairobi City County. The study was anchored on the agency theory, dynamic capability theory and expected utility theory. The study used descriptive research design. The study took census of the sixteen private health insurance in Nairobi City County and the unit of observation was eighty managers. A questionnaire was implemented to acquire primary data. The reliability of the research tool was tested using Cronbach's alpha coefficient, with a threshold of 0.7 or above been acceptable. The collected data was analyzed employing descriptive and inferential statistics. The response rate was sixty-six percent, which was adequate for drawing judgments and forming inferences from the data. Descriptive statistics were summarized using frequencies, percentage, mean and standard deviations. The research findings found significant effect between level of coverage, cost and affordability, network of health providers and quality of services on uptake of private health insurance services. The study concluded that level of coverage, cost and affordability, network of health providers and quality of services affected uptake of private health insurance services in Nairobi, Kenya. The recommends that the Private health insurance service providers should continue to offer diverse plans that cater to different needs and income brackets by introducing tiered pricing models, where customers can choose from a range of premium options based on their financial capacity. Additionally, the network should cover both high-end facilities and more affordable options that would cater to various customer segments. Finally, the study recommended that service providers should focus on maintaining a strong commitment to service quality and continually refining their offerings. | |
| dc.identifier.uri | https://ir-library.ku.ac.ke/handle/123456789/32539 | |
| dc.language.iso | en | |
| dc.publisher | Kenyatta University | |
| dc.title | Strategic Decisions and Uptake of Private Health Insurance in Nairobi City County, Kenya | |
| dc.type | Thesis |