Household’s Head Satisfaction and Associated Factors Towards Community-Based Health Insurance (CBHI) Schemes Among Enrollees in Northwest Ethiopia
Journal Article
Yasab Leykun, Getasew Tadesse, Asmamaw Ketemaw, Belay Alemayehu Getahun, Ashenafi Fekade Getahun, and Mengistu Abebe Messelu
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Submitted: May 01, 2025
College of Health Science
Nursing
Abstract Preview:
Background: Community-based health insurance (CBHI) is an emerging form of microhealth insurance that relies on theprinciple of solidarity, with community members pooling money to help with medical expenses. The level of household heads’satisfaction with CBHI schemes is more likely to affect their decision to remain enrolled and the entrance of new members.However, studies regarding household heads’ satisfaction with the CBHI schemes are scarce in Ethiopia. Therefore, this studyaimed to determine the level of satisfaction with CBHI schemes and associated factors among heads of households inNorthwest Ethiopia.Methods: A community-based cross-sectional study was conducted from March 1–30, 2022. A stratified random samplingtechnique with multistage sampling was used to select 604 study participants. A face-to-face interview was conducted using apretested structured questionnaire. Both bivariable and multivariable logistic regression analyses were conducted. An adjustedodds ratio (AOR) with 95% confidence intervals (CIs) was computed to evaluate the strength of the association, and variableswith a p value < 0 05 at a 95% CI were considered statistically significant.Results: This study found that about 56.1% of household heads were satisfied with the CBHI schemes. Being older age(AOR = 1 85; 95% CI: 1.17, 2.94), rural residence (AOR = 4 13; 95% CI: 2.24, 7.62), visited only health center (AOR = 0 34;95% CI: 0.20, 0.55), distance from a health facility (AOR = 3 18; 95% CI: 1.82, 5.55), agreement with prescribed drugs(AOR = 2 31; 95% CI: 1.36, 3.92), friendliness with healthcare provider (AOR = 3 65; 95% CI: 2.18, 6.10), and had a goodknowledge of benefit packages (AOR = 3 00; 95% CI: 1.93, 4.67) were significantly associated with household head satisfaction.Conclusion: The overall satisfaction of household heads with the CBHI schemes was good. The type of health facility visited,residence, age, distance from health facilities, relationship with healthcare providers, agreement with prescribed medications,and knowledge of community based health insurance were significantly associated with participants’ satisfaction. Thus, thesefindings suggest that improving access to healthcare services, fostering better relationships between healthcare providers andbeneficiaries, and enhancing awareness of CBHI benefits could further increase satisfaction levels among households.Keywords: community-based health insurance (CBHI); Ethiopia; household; satisfaction
Full Abstract:
Background: Community-based health insurance (CBHI) is an emerging form of microhealth insurance that relies on theprinciple of solidarity, with community members pooling money to help with medical expenses. The level of household heads’satisfaction with CBHI schemes is more likely to affect their decision to remain enrolled and the entrance of new members.However, studies regarding household heads’ satisfaction with the CBHI schemes are scarce in Ethiopia. Therefore, this studyaimed to determine the level of satisfaction with CBHI schemes and associated factors among heads of households inNorthwest Ethiopia.Methods: A community-based cross-sectional study was conducted from March 1–30, 2022. A stratified random samplingtechnique with multistage sampling was used to select 604 study participants. A face-to-face interview was conducted using apretested structured questionnaire. Both bivariable and multivariable logistic regression analyses were conducted. An adjustedodds ratio (AOR) with 95% confidence intervals (CIs) was computed to evaluate the strength of the association, and variableswith a p value < 0 05 at a 95% CI were considered statistically significant.Results: This study found that about 56.1% of household heads were satisfied with the CBHI schemes. Being older age(AOR = 1 85; 95% CI: 1.17, 2.94), rural residence (AOR = 4 13; 95% CI: 2.24, 7.62), visited only health center (AOR = 0 34;95% CI: 0.20, 0.55), distance from a health facility (AOR = 3 18; 95% CI: 1.82, 5.55), agreement with prescribed drugs(AOR = 2 31; 95% CI: 1.36, 3.92), friendliness with healthcare provider (AOR = 3 65; 95% CI: 2.18, 6.10), and had a goodknowledge of benefit packages (AOR = 3 00; 95% CI: 1.93, 4.67) were significantly associated with household head satisfaction.Conclusion: The overall satisfaction of household heads with the CBHI schemes was good. The type of health facility visited,residence, age, distance from health facilities, relationship with healthcare providers, agreement with prescribed medications,and knowledge of community based health insurance were significantly associated with participants’ satisfaction. Thus, thesefindings suggest that improving access to healthcare services, fostering better relationships between healthcare providers andbeneficiaries, and enhancing awareness of CBHI benefits could further increase satisfaction levels among households.Keywords: community-based health insurance (CBHI); Ethiopia; household; satisfaction