Health insurance in Ghana: evaluation of policy holders' perceptions and factors influencing policy renewal in the Volta region
Health insurance in Ghana: evaluation of policy holders' perceptions and factors influencing policy renewal in the Volta region
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DOI：
10.1186/1475-9276-12-50
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发表时间：
2013-07-03
影响因子：
4.8
通讯作者：
Awunyor-Vitor, Dadson
中科院分区：
文献类型：
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作者：
Boateng, Daniel;Awunyor-Vitor, Dadson
背景：健康保险是帮助个人、国家和整个民族的重要机制。本研究的目的是评估个人对健康保险保单的态度以及影响受访者在健康保险保单到期时决定续保的因素。方法：这项横断面研究是在加纳沃尔特地区进行的。本研究共随机抽样并采访了 300 名受访者。数据在家庭层面收集并使用 STATA 软件进行分析。采用描述性统计评估受访者的人口特征，并采用Logistic回归模型评估影响受访者购买健康保险和续保决策的因素。 结果：研究结果显示，61.1%的受访者目前正在参加NHIS，23.9%的受访者在加入后没有续保，15%的受访者从未参加过。不续保的原因包括服务质量差（58%）、缺钱（49%）和不喜欢其他护理来源（23%）。受访者的性别、婚姻状况、宗教信仰和对健康状况的看法极大地影响了他们加入和留在 NHIS 的决定。结论：NHIS 已经与客户结伴而行，证明了其在保持他们强壮和健康方面的好处。因此，包括社区在内的所有利益相关者必须努力教育个人了解健康保险的好处，以确保所有人都能获得最佳机会。
Background: Health insurance is an important mechanism that succors individuals, states and the nation at large. The purpose of this study was to assess individual's attitude towards health insurance policy and the factors that influence respondents' decision to renew their health insurance policy when it expires.Methods: This cross sectional study was conducted in the Volta region of Ghana. A total of 300 respondents were randomly sampled and interviewed for the study. Data was collected at the household level and analyzed with STATA software. Descriptive statistics was used to assess the demographic characteristics of the respondents while Logistic regression model was used to assess factors that influence respondents' decision to take up health insurance policy and renew it.Results: The study results indicate that 61.1% of respondents are currently being enrolled in the NHIS, 23.9% had not renewed their insurance after enrollment and 15% had never enrolled. Reasons cited for non-renewal of insurance included poor service quality (58%), lack of money (49%) and taste of other sources of care (23%). The gender, marital status, religion and perception of health status of respondents significantly influenced their decision to enroll and remain in NHIS.Conclusion: NHIS has come to stay with clients testifying to its benefits in keeping them strong and healthy. Efforts therefore must be put in by all stakeholders including the community to educate the individuals on the benefits of health insurance to ensure all have optimal access.