| dc.description.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. | en_US |
