Critical Analysis of Personal Medical Health Insurance as an Approach to Managing Student Healthcare in Public Secondary Schools in Meru County, Kenya

Abstract

Provision of healthcare to secondary school students is paramount. However, in Kenya, this undertaking is often curtailed by inadequate funding, poor infrastructure, food insecurity, high poverty levels, and unemployment challenges. These challenges complicate the choice of a service model for managing healthcare of students in public secondary schools in Meru County -Kenya. The purpose of this study was to analyze personal medical insurance as an approach for managing students' healthcare in public secondary schools in Meru County. This study is systematic review paper where secondary sources of information were analyzed and synthesized as guided by the main theme. Documentary analysis coupled with systematic review of existing literature from reports, past studies and conference proceedings were central in forming the theoretical foundation and systematic argument developed in this paper. The study established that the adoption of personal medical insurance in secondary schools does not only affect the education outcomes, but it also enhances equity of secondary school education and leads to improved retention and completion rates of students in schools. However, its adoption in public secondary school is not widespread in Meru County, Kenya. This is attributed to shortages of infrastructures, resources, weak structures and mechanisms on health provision, and absence of policy on personal medical health insurance for students in public secondary school in Kenya. These findings raise questions on policies by Ministry of Education and Ministry of Health on provision of healthcare to students in secondary schools. Medical health insurance companies are called upon to remodel and customize their personal health insurance products to fit students in public secondary schools.