The Role of Community Based Health Insurance Scheme on Financial Protection and Healthcare Seeking Behavior of Households in <i>Tehuledere</i> District, Northeast Ethiopia

Molla Yismaw Jembere

doi:doi:10.11648/j.hep.20180302.11

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The Role of Community Based Health Insurance Scheme on Financial Protection and Healthcare Seeking Behavior of Households in Tehuledere District, Northeast Ethiopia

Molla Yismaw Jembere

Published in International Journal of Health Economics and Policy (Volume 3, Issue 2)

Received: 9 June 2018 Accepted: 4 July 2018 Published: 30 July 2018

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Abstract

Healthcare financing in many developing countries dominantly come from out-of-pocket expenditure, and it has remained problematic for its catastrophic consequences on the poor. Community based health insurance scheme become potential strategy to protect households from out- of –pocket expenditure and impoverishment, and access affordable and effective healthcare. Therefore, this study examined the role of community based health insurance on financial protection and healthcare seeking behavior of households in rural Ethiopia. Mixed research approach employed concurrently to collect data from participants, and collected data were analyzed through descriptive, inferential and thematic analysis. The study finding revealed that 71.5% of households protected from extra out of payments (other than premium payment for the scheme). Furthermore, large number of respondents (66.3%) replied that price for the scheme was easily affordable. Moreover, by avoiding out -of -pocket payment, community based health insurance improve healthcare seek behavior of households from modern healthcare providers. However, there were challenges in reimbursement, moral hazards or miss utilizations and adverse selections or the inclusion of chronically ill, poor and fee waivers during enrolment. In general, in the absence of third party and prepayment systems such as health insurance and tax-based healthcare financing, households in many low-income countries are exposed to the financial risks of paying large medical bills from out-of-pocket demands introduction of community based health insurance as alternative financial approach.

Published in	International Journal of Health Economics and Policy (Volume 3, Issue 2)
DOI	10.11648/j.hep.20180302.11
Page(s)	13-19
Creative Commons	This is an Open Access article, distributed under the terms of the Creative Commons Attribution 4.0 International License (http://creativecommons.org/licenses/by/4.0/), which permits unrestricted use, distribution and reproduction in any medium or format, provided the original work is properly cited.
Copyright	Copyright © The Author(s), 2018. Published by Science Publishing Group

Keywords

Community Based Health Insurance Scheme, Financial Protection, Mixed Research Approach, Healthcare Seeking Behavior, Ethiopia

References

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[12]	Dereje Wonde. and Getnet Tadele. Impedments of Health Seeking Behavior and Health Service Utilization from Healthcare Institutions in A Rural Community of Enebise Sar Mider Woreda, East Gojjam Zone, Ethiopia. Ethiop. J. Health. Dev. 29 (2), 2015, pp. 100-110.
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APA Style

Molla Yismaw Jembere. (2018). The Role of Community Based Health Insurance Scheme on Financial Protection and Healthcare Seeking Behavior of Households in Tehuledere District, Northeast Ethiopia. International Journal of Health Economics and Policy, 3(2), 13-19. https://doi.org/10.11648/j.hep.20180302.11

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ACS Style

Molla Yismaw Jembere. The Role of Community Based Health Insurance Scheme on Financial Protection and Healthcare Seeking Behavior of Households in Tehuledere District, Northeast Ethiopia. Int. J. Health Econ. Policy 2018, 3(2), 13-19. doi: 10.11648/j.hep.20180302.11

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AMA Style

Molla Yismaw Jembere. The Role of Community Based Health Insurance Scheme on Financial Protection and Healthcare Seeking Behavior of Households in Tehuledere District, Northeast Ethiopia. Int J Health Econ Policy. 2018;3(2):13-19. doi: 10.11648/j.hep.20180302.11

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@article{10.11648/j.hep.20180302.11,
  author = {Molla Yismaw Jembere},
  title = {The Role of Community Based Health Insurance Scheme on Financial Protection and Healthcare Seeking Behavior of Households in Tehuledere District, Northeast Ethiopia},
  journal = {International Journal of Health Economics and Policy},
  volume = {3},
  number = {2},
  pages = {13-19},
  doi = {10.11648/j.hep.20180302.11},
  url = {https://doi.org/10.11648/j.hep.20180302.11},
  eprint = {https://article.sciencepublishinggroup.com/pdf/10.11648.j.hep.20180302.11},
  abstract = {Healthcare financing in many developing countries dominantly come from out-of-pocket expenditure, and it has remained problematic for its catastrophic consequences on the poor. Community based health insurance scheme become potential strategy to protect households from out- of –pocket expenditure and impoverishment, and access affordable and effective healthcare. Therefore, this study examined the role of community based health insurance on financial protection and healthcare seeking behavior of households in rural Ethiopia. Mixed research approach employed concurrently to collect data from participants, and collected data were analyzed through descriptive, inferential and thematic analysis. The study finding revealed that 71.5% of households protected from extra out of payments (other than premium payment for the scheme). Furthermore, large number of respondents (66.3%) replied that price for the scheme was easily affordable. Moreover, by avoiding out -of -pocket payment, community based health insurance improve healthcare seek behavior of households from modern healthcare providers. However, there were challenges in reimbursement, moral hazards or miss utilizations and adverse selections or the inclusion of chronically ill, poor and fee waivers during enrolment. In general, in the absence of third party and prepayment systems such as health insurance and tax-based healthcare financing, households in many low-income countries are exposed to the financial risks of paying large medical bills from out-of-pocket demands introduction of community based health insurance as alternative financial approach.},
 year = {2018}
}

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TY  - JOUR
T1  - The Role of Community Based Health Insurance Scheme on Financial Protection and Healthcare Seeking Behavior of Households in Tehuledere District, Northeast Ethiopia
AU  - Molla Yismaw Jembere
Y1  - 2018/07/30
PY  - 2018
N1  - https://doi.org/10.11648/j.hep.20180302.11
DO  - 10.11648/j.hep.20180302.11
T2  - International Journal of Health Economics and Policy
JF  - International Journal of Health Economics and Policy
JO  - International Journal of Health Economics and Policy
SP  - 13
EP  - 19
PB  - Science Publishing Group
SN  - 2578-9309
UR  - https://doi.org/10.11648/j.hep.20180302.11
AB  - Healthcare financing in many developing countries dominantly come from out-of-pocket expenditure, and it has remained problematic for its catastrophic consequences on the poor. Community based health insurance scheme become potential strategy to protect households from out- of –pocket expenditure and impoverishment, and access affordable and effective healthcare. Therefore, this study examined the role of community based health insurance on financial protection and healthcare seeking behavior of households in rural Ethiopia. Mixed research approach employed concurrently to collect data from participants, and collected data were analyzed through descriptive, inferential and thematic analysis. The study finding revealed that 71.5% of households protected from extra out of payments (other than premium payment for the scheme). Furthermore, large number of respondents (66.3%) replied that price for the scheme was easily affordable. Moreover, by avoiding out -of -pocket payment, community based health insurance improve healthcare seek behavior of households from modern healthcare providers. However, there were challenges in reimbursement, moral hazards or miss utilizations and adverse selections or the inclusion of chronically ill, poor and fee waivers during enrolment. In general, in the absence of third party and prepayment systems such as health insurance and tax-based healthcare financing, households in many low-income countries are exposed to the financial risks of paying large medical bills from out-of-pocket demands introduction of community based health insurance as alternative financial approach.
VL  - 3
IS  - 2
ER  -

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Author Information

Molla Yismaw Jembere

Department of Sociology, Wollo University, Desssie, Ethiopia

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Plain Text BibTeX RIS

APA Style

Molla Yismaw Jembere. (2018). The Role of Community Based Health Insurance Scheme on Financial Protection and Healthcare Seeking Behavior of Households in Tehuledere District, Northeast Ethiopia. International Journal of Health Economics and Policy, 3(2), 13-19. https://doi.org/10.11648/j.hep.20180302.11

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ACS Style

Molla Yismaw Jembere. The Role of Community Based Health Insurance Scheme on Financial Protection and Healthcare Seeking Behavior of Households in Tehuledere District, Northeast Ethiopia. Int. J. Health Econ. Policy 2018, 3(2), 13-19. doi: 10.11648/j.hep.20180302.11

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AMA Style

Molla Yismaw Jembere. The Role of Community Based Health Insurance Scheme on Financial Protection and Healthcare Seeking Behavior of Households in Tehuledere District, Northeast Ethiopia. Int J Health Econ Policy. 2018;3(2):13-19. doi: 10.11648/j.hep.20180302.11

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@article{10.11648/j.hep.20180302.11,
  author = {Molla Yismaw Jembere},
  title = {The Role of Community Based Health Insurance Scheme on Financial Protection and Healthcare Seeking Behavior of Households in Tehuledere District, Northeast Ethiopia},
  journal = {International Journal of Health Economics and Policy},
  volume = {3},
  number = {2},
  pages = {13-19},
  doi = {10.11648/j.hep.20180302.11},
  url = {https://doi.org/10.11648/j.hep.20180302.11},
  eprint = {https://article.sciencepublishinggroup.com/pdf/10.11648.j.hep.20180302.11},
  abstract = {Healthcare financing in many developing countries dominantly come from out-of-pocket expenditure, and it has remained problematic for its catastrophic consequences on the poor. Community based health insurance scheme become potential strategy to protect households from out- of –pocket expenditure and impoverishment, and access affordable and effective healthcare. Therefore, this study examined the role of community based health insurance on financial protection and healthcare seeking behavior of households in rural Ethiopia. Mixed research approach employed concurrently to collect data from participants, and collected data were analyzed through descriptive, inferential and thematic analysis. The study finding revealed that 71.5% of households protected from extra out of payments (other than premium payment for the scheme). Furthermore, large number of respondents (66.3%) replied that price for the scheme was easily affordable. Moreover, by avoiding out -of -pocket payment, community based health insurance improve healthcare seek behavior of households from modern healthcare providers. However, there were challenges in reimbursement, moral hazards or miss utilizations and adverse selections or the inclusion of chronically ill, poor and fee waivers during enrolment. In general, in the absence of third party and prepayment systems such as health insurance and tax-based healthcare financing, households in many low-income countries are exposed to the financial risks of paying large medical bills from out-of-pocket demands introduction of community based health insurance as alternative financial approach.},
 year = {2018}
}

Copy | Download

TY  - JOUR
T1  - The Role of Community Based Health Insurance Scheme on Financial Protection and Healthcare Seeking Behavior of Households in Tehuledere District, Northeast Ethiopia
AU  - Molla Yismaw Jembere
Y1  - 2018/07/30
PY  - 2018
N1  - https://doi.org/10.11648/j.hep.20180302.11
DO  - 10.11648/j.hep.20180302.11
T2  - International Journal of Health Economics and Policy
JF  - International Journal of Health Economics and Policy
JO  - International Journal of Health Economics and Policy
SP  - 13
EP  - 19
PB  - Science Publishing Group
SN  - 2578-9309
UR  - https://doi.org/10.11648/j.hep.20180302.11
AB  - Healthcare financing in many developing countries dominantly come from out-of-pocket expenditure, and it has remained problematic for its catastrophic consequences on the poor. Community based health insurance scheme become potential strategy to protect households from out- of –pocket expenditure and impoverishment, and access affordable and effective healthcare. Therefore, this study examined the role of community based health insurance on financial protection and healthcare seeking behavior of households in rural Ethiopia. Mixed research approach employed concurrently to collect data from participants, and collected data were analyzed through descriptive, inferential and thematic analysis. The study finding revealed that 71.5% of households protected from extra out of payments (other than premium payment for the scheme). Furthermore, large number of respondents (66.3%) replied that price for the scheme was easily affordable. Moreover, by avoiding out -of -pocket payment, community based health insurance improve healthcare seek behavior of households from modern healthcare providers. However, there were challenges in reimbursement, moral hazards or miss utilizations and adverse selections or the inclusion of chronically ill, poor and fee waivers during enrolment. In general, in the absence of third party and prepayment systems such as health insurance and tax-based healthcare financing, households in many low-income countries are exposed to the financial risks of paying large medical bills from out-of-pocket demands introduction of community based health insurance as alternative financial approach.
VL  - 3
IS  - 2
ER  -

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