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Family sociodemographic characteristics as predictors of medical insurance use and service utilization: a cross-sectional study of a town in Ghana

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Document pages: 14 pages

Abstract: Introduction low and middle income countries (LMIC) trying to use health insurance is considered to be a powerful tool to achieve universal health coverage (UHC). However, due to various factors, there are still problems in these countries continued participation in health insurance plans and access to health care. There is little empirical evidence on the impact of family sociodemographic factors on school enrolment and follow-up medical utilization. This paper attempts to study how family profile affects the status of national health insurance plan (NHIS) and the use of medical care in a city of Ghana. method. Through multi-stage cluster sampling, the cross-sectional design was carried out by quantitative method among 380 respondents. We collected datang a semistructured questionnaire. Data were analysed using descriptive and multiple logistics regression at 95 CI using STATA 14. Results. Overall, 57.9 of respondents were males, and average age was 34 years. Households’ profiles such as age, gender, education, marital status, ethnicity, and religion were key predictors of NHIS active membership. Compared with other age groups, 38–47 years (AOR 0.06) and 58 years and above (AOR = 0.01), widow, divorced families, Muslims, and minority ethnic groups were less likely to have NHIS active membership. However, females (AOR = 3.92), married couples (AOR = 48.9), and people educated at tertiary level consistently had their NHIS active. Proximate factors such as education, marital status, place of residence, and NHIS status were predictors of healthcare utilization. Conclusion. The study concludes that households’ proximate factors influence the uptake of NHIS policy and subsequent utilization of healthcare. Vulnerable population such as elderly, minority ethnic, and religious groups were less likely to renew their NHIS policy. The NHIS policy should revise the exemption bracket to wholly cover vulnerable groups such as minority ethnic and religious groups and elderly people at retiring age of 60 years.

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