Willingness to join and pay for social health insurance and its determinants among teachers in Bahir Dar city, Northwest Ethiopia.
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Date
2020-06
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Addis Abeba University
Abstract
Background: Protecting people against catastrophic medical expenses is a means to ensure
equity in health. Health insurance is a means to raise and pool funds to finance health
services. Ethiopia approved compulsory social and community-based health insurance
schemes. The implementation of social health insurance was delayed due to fear of low
acceptance by the public servant.
Objective: To assess willingness to join and pay for the social health insurance scheme
and identify factors associated among teachers in Bahirdar city, Northwest Ethiopia.
Methods: A cross-sectional study design was used to recruit 488 teachers. Multiple logistic
regression was used to identify factors associated with teachers' willingness to join. The
interval data logit was used to determine mean willingness to pay and predictors of
willingness to pay.
Result: 337 (70.21%) of the respondents expressed their willingness to join and pay 2.46%
of their monthly salary. Those who were married were 54% less likely to be willing to
participate. Absence child aged <5 year, absence of acute illness in last one year and
absence of chronic illness were factors negatively affecting the decision to join the scheme.
Willingness to pay was significantly and positively associated with family size and the
presence of acute illness.
Conclusion: More than half of the participants were willing to join the scheme with a mean
premium contribution of 2.46% of their monthly salary. This is an important policy
implication in revising the premium amount.
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Keywords
Health insurance, Ethiopia, Willingness to join, Willingness to pay, Contingent valuation.