Mediation effect of trust on willingness to pay for health insurance among co-operative members in Tanzania

Nzowa, Petro G.; Nandonde, Felix Adamu; Seimu, Somo M.L.

doi:10.1186/s43093-023-00198-0

Cited by 3 publications

(1 citation statement)

References 80 publications

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“…The WTP is the utmost amount of money that an individual is WTP for a service or product (52). It is a proxy measure of cost-benefit tradeoffs in health insurance (63) and is one of two popular approaches for estimating the monetary value of health benefits, the other being the Human Capital (HC) approach (64). WTP is a widely-used concept in the health sector to guide policy decisions (65).…”

Section: Background and Rationalementioning

confidence: 99%

Willingness to pay for National Health Insurance Services and Associated Factors in Africa and Asia: a systematic review and meta-analysis

Bayked,

Assfaw,

Toleha

et al. 2024

Front. Public Health

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BackgroundUniversal health coverage (UHC) is crucial for public health, poverty eradication, and economic growth. However, 97% of low- and middle-income countries (LMICs), particularly Africa and Asia, lack it, relying on out-of-pocket (OOP) expenditure. National Health Insurance (NHI) guarantees equity and priorities aligned with medical needs, for which we aimed to determine the pooled willingness to pay (WTP) and its influencing factors from the available literature in Africa and Asia.MethodsDatabase searches were conducted on Scopus, HINARI, PubMed, Google Scholar, and Semantic Scholar from March 31 to April 4, 2023. The Joanna Briggs Institute’s (JBI’s) tools and the “preferred reporting items for systematic reviews and meta-analyses (PRISMA) 2020 statement” were used to evaluate bias and frame the review, respectively. The data were analyzed using Stata 17. To assess heterogeneity, we conducted sensitivity and subgroup analyses, calculated the Luis Furuya-Kanamori (LFK) index, and used a random model to determine the effect estimates (proportions and odds ratios) with a p value less than 0.05 and a 95% CI.ResultsNineteen studies were included in the review. The pooled WTP on the continents was 66.0% (95% CI, 54.0–77.0%) before outlier studies were not excluded, but increased to 71.0% (95% CI, 68–75%) after excluding them. The factors influencing the WTP were categorized as socio-demographic factors, income and economic issues, information level and sources, illness and illness expenditure, health service factors, factors related to financing schemes, as well as social capital and solidarity. Age has been found to be consistently and negatively related to the WTP for NHI, while income level was an almost consistent positive predictor of it.ConclusionThe WTP for NHI was moderate, while it was slightly higher in Africa than Asia and was found to be affected by various factors, with age being reported to be consistently and negatively related to it, while an increase in income level was almost a positive determinant of it.

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Section: Background and Rationalementioning

confidence: 99%

Willingness to pay for National Health Insurance Services and Associated Factors in Africa and Asia: a systematic review and meta-analysis

Bayked,

Assfaw,

Toleha

et al. 2024

Front. Public Health

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Does social capital, financial inclusion and risk behaviour influence trust in Takaful?

Ishak,

Aliyu,

Musthafa

2024

JIMA

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Purpose This paper aims to examine the influence of demographics, social capital, financial inclusion and risk behaviour on trust in Takaful using a household survey of 526 respondents. Design/methodology/approach The study adopts a quantitative approach using an ordered logit model to explore the relationship between demographics, social capital, financial inclusion and risk behaviour on trust in Takaful in Malaysia. Findings The findings show that gender, marital and income status and employment influence trust in Takaful. Similarly, social capital and financial inclusion positively influence trust in Takaful. At the same time, individuals have more confidence in Takaful when they use their funds rather than borrowing from friends, relatives or informal associations (such as ROSCA). Research limitations/implications The findings have several implications for policymakers in strengthening the recent policy document on “professionalism in insurance and Takaful agents” in Malaysia. Meanwhile, other implications relating to Takaful operators and future studies have been identified. Originality/value The study provides new evidence on trust in Takaful related to social capital, risk behaviour, inclusiveness and demographic status in Malaysia.

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Morbidity Cost and Willingness to Pay for Healthcare Insurance among Wheat Farmers in Jigawa State of Nigeria

Sadiq,

Ahmad,

Gama

et al. 2024

PRS

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The study determined the costs of morbidity and farmers' willingness to pay for health insurance in the Jigawa State of Nigeria using a cross-sectional data collected from 284 farmers through a multi-stage sampling technique. Using an easy-route cost approach, a well-structured questionnaire coupled with interview schedule was used for data collection. Besides, the collected data was then analysed using both descriptive and inferential statistics. Empirically, the majority of farmers utilised an accumulation strategy for livelihood sustenance, alongside enterprise diversification – which acted as a catalyst in increasing their stocks and consumption outcomes, thus smoothing their income and consumption. However, financial and, at worst, physical livelihood capitals posed challenges that affected farmers' livelihood assets in the study area. Furthermore, malaria emerged as the major health issue affecting livelihoods; consequently, slightly over half of the sampled population agreed to the notion of a social health insurance scheme for a healthy livelihood. However, this inclination was largely influenced by the overlooked or nearly neglected social learning aspect of extension service delivery. Therefore, as a method to reduce public capital expenditure on healthcare for livelihoods in the study area, the study recommends that policymakers expand the healthcare scheme to include the farming community, going beyond formal organisations, thereby enhancing farm family livelihoods specifically and overall economic growth and development in general. Nonetheless, enhance institutional factors, alongside social extension, financial and infrastructural facilities are recommended.

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Mediation effect of trust on willingness to pay for health insurance among co-operative members in Tanzania

Cited by 3 publications

References 80 publications

Willingness to pay for National Health Insurance Services and Associated Factors in Africa and Asia: a systematic review and meta-analysis

Willingness to pay for National Health Insurance Services and Associated Factors in Africa and Asia: a systematic review and meta-analysis

Does social capital, financial inclusion and risk behaviour influence trust in Takaful?

Morbidity Cost and Willingness to Pay for Healthcare Insurance among Wheat Farmers in Jigawa State of Nigeria

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