Determinants of health insurance coverage among households in Uganda
Akumu, Gloria Agnes
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The study was conducted to assess the determinants of health insurance coverage among households in Uganda. Secondary data was obtained from UBOS (UDHS,2016). The objectives of the study were to examine the socio-demographic, economic factors and how accessibility to information affect health insurance coverage among households in Uganda. Univariate analysis, cross tabulations and logistic regression were performed on the variables in the study using Stata 15. In the univariate analysis, out of the 18,470 household heads, more than half of the respondents (66.76%) were males, (47.38%) between ages 36 to 55 years and majority of them staying in urban areas (76.38%). Most of the respondents had acquired primary education (58.88%) and the household size (88.85%) being between 1 to 9 members. Majority of the household heads (38.76%) were dealing in agriculture as a source of income and the level of income for the richest being (21.81%). Furthermore, most of the household heads (57.12%) listened to radios at least once a week. In the bivariate analysis, health insurance coverage was statistically significantly associated with residence type, education level, household size, income level, occupation and accessibility to information, whereas age and gender of the household head were statistically insignificantly associated with health insurance coverage. In the multivariate analysis, health insurance coverage was directly influenced by the household size, education level, frequency of reading newspapers and income level of the household head. According to the research findings, it was recommended that Life insurance companies should come up with innovative tailor-made products with high risk cover, more return and low insurance premium to attract more number of customers and to achieve greater insurance penetration. The healthier competition has to be intensified by both the sectors and they should come up with new innovative products to offer greater variety or choice to the customers and also make improvement in the quality of services and sell products through appropriate distribution channel to win-win situation for both the parties. Insurance companies should devise policies which provide effective risk coverage rather than focusing on the tax benefits and also encourages them for long term investment in insurance.