Determinants of Uptake of Social Health Insurance Daily Payment Strategy Among Motorcycle Taxis in Eldoret Town, Uasin Gishu County, Kenya

Abstract

A great health fund scheme creates funds for healthcare in such a way that customers can get crucial treatment and are defended from health-related money related catastrophes. The study's major objective was to find the variables that impact Bodaboda business people in Eldoret, Uasin Gishu District, to embrace a day by day installment approach for social wellbeing protections. The study's particular objectives were as follows: To determine the influence that demographic characteristics, awareness, socio-economic factors, and accessibility factors has on uptake of social insurance daily payment plan. The study adopted a cross-sectional descriptive design and targeted 5000 Bodaboda operators registered with Saccos in Eldoret town. The Saccos officials were also included in the population. A larger part of 263 people was picked as portion of the information set using the convenience sampling for the Bodaboda riders while purposive sampling was used for the Sacco officials and for forming the focus group discussions. To get information, the analysts utilized a survey and a focus group discourse layout. Conceptual substance examination was utilized to evaluate subjective information from focus group sessions. The study found out that an elevated extent (69.8%) of the number of the Bodaboda operators were not yet insured by NHIF. Demographic factors were not found to significantly (β = -0.055, t = -0.5833, p ˃ 0.522) influence the uptake of social health insurance daily payment strategy among the respondents. The study revealed that awareness plays a significant (OR.1.394, 95% CI = 0.559 – 3.478) role in the uptake of social health insurance daily payment strategy among Bodaboda operators. Income level was found to be socioeconomic factor significantlypredicting (OR. 1.053, 95% CI = 0.746 – 1.486) the uptake of social health insurance daily payment strategy among Bodaboda operators. The findings also revealed that accessibility factors (OR. 2.222, 95% CI = 1.426 – 3.642) significantly influenced uptake of social health insurance daily payment strategy. The study, therefore, recommends that health insurance policy makers and strategists to reconsider differentiating their uptake strategies across demographic patterns when targeting informal sector workers. There is also need to enhance awareness of insurance service provider and accredited healthcare service provider so as to inculcate the positive impact of the uptake of the NHIF insurance scheme in the minds of the informal sector workers. Health insurance service providers need also to consider such issues as relative cash flows among income groups and introduce products along this like weekly subscriptions to cater for days with little or no cash flows. Finally, the social health insurers need to improve the visibility of their facilities online through their applications and websites so as to enable the informal sector subscribers know where to locate them conveniently from their locations. Advance inquire about into the effect of the improved NHIF rates on open conclusion and opinions toward its effect on benefit quality among the private and public wellbeing sectors in regard to NHIF ought to be conducted.