DIPLOMA IN MANAGEMENT AND LEADERSHIP

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    FACTORS INFLUENCING THE UPTAKE OF HEALTH INSURANCE AMONG KENYAN LOW INCOME CLASS IN KENYA: A SURVEY STUDY OF KOROGOCHO SLUMS RESIDENTS, NAIROBI
    (MUA, 2019-09) GRACE NJERI KAGIRI
    Health insurance has been considered as key to achieving universal health care by various countries. This is with the aim of ensuring that every citizen should have access to needed healthcare services that are effective and of acceptable quality and that no one should risk financial ruins as a result of illness. However, recent statistics still indicate that in Kenya, currently 26.6% of total health expenditure is out of pocket. Out-of-pocket spending on healthcare has been found to drive the poor into more poverty and poses a barrier to their access to healthcare. This study aimed at determining factors influencing the uptake of health insurance among Kenyan low income class in Kenya: a survey study of Korogocho slums residents, Nairobi. The objectives of the study were to determine the extent of uptake of health insurance among Kenyan low income class in Kenya in Korogocho slums resident in Nairobi County, to determine the factors influencing uptake of health insurance, the preferred type of health insurance scheme between private and public health insurance and the level of satisfaction for those already having health insurance cover. The independent variables in this study were socioeconomic factors, the available health insurance providers, the preferred health insurance provider and client’s satisfaction. The dependent variable for the study was uptake of health insurance which was determined by the extent of health insurance uptake. The study was carried out in Korogocho slums in Nairobi County. The study was a descriptive cross-sectional study. The sample size was (n=384) which was determined through the formula n = Z2p(1-p)/d2. Respondents were sampled through stratified random sampling method where eight hospitals formed the stratum. Data was collected by use of self and researcher administered questionnaires by the researcher for a period of two weeks. Collected data was analyzed using SPSS version 20 to draw both descriptive and inferential statistics. Uptake of health insurance was found to be 46.1% majority of them being those employed in the formal sector, and also majority being covered by NHIF. Level of knowledge on health insurance was found to be 52.6%, which could be a major factor contributing to low uptake.