Factors That Influence Health Insurance Coverage among Households in Uganda
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The study was conducted to determine the factors that influence health insurance coverage among households in Uganda. The objectives of the study were, to examine the social-demographic factors influencing the health insurance coverage among households in Uganda, to examine the economic factors influencing the health insurance coverage among households in Uganda and to examine how accessibility to information affects health insurance coverage among households in Uganda. This study applies a Logistic regression model to secondary data to investigate the factor influencing demands for health insurance in Uganda. Findings from the study revealed that rural residence, higher education level and richest level of income significantly influence Health Insurance Coverage in Uganda. However sex of household head, having 4 wives , Age and accessibility to information are insignificant. The study therefore 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
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