Psychosocial determinants of the willingness to pay for social health insurance among workers at a commercial bank in Dessie, Ethiopia
A multi-setting study
Bibliographic Data
| ID | 22087176 |
|---|---|
| Authors | Alemayehu Mebratu Abate, Asnakew Molla Mekonen (0000-0001-7573-1594, Wollo University), Abebe Kibret Assfaw (Wollo University), Husien Nurahmed Toleha (0000-0002-9460-087X, Wollo University), Ewunetie Mekashaw Bayked (0000-0002-8060-3922, Wollo University, corresponding author) |
| Year | 2025 |
| Volume | 12 |
| Pages | 1403568-1403568 |
| Publication date | 2025-01-23 |
| Open Access | Yes |
| Type | ARTICLE |
| Venue | Frontiers in Public Health (JOURNAL) |
| Journal identifiers | ISSN: 2296-2565 • E-ISSN: 2296-2565 |
| Publisher | Frontiers Media SA (PUBLISHER • CH) |
| DOI | 10.3389/fpubh.2024.1403568 |
| PMID | 39917523 |
| OpenAlex | W4406774320 |
| Language | EN |
| Citations received | 1 |
| References cited | 28 |
Background: A lack of health insurance is a major barrier to the "health for all" agenda, where out-of-pocket (OOP) spending is the primary healthcare funding mechanism, a characteristic of Ethiopia's healthcare sector, leading it to plan to fully implement social health insurance (SHI) by 2014, but not yet, owing to significant opposition from public employees. The objective of this study was to look into the psychosocial determinants of the willingness to pay (WTP) for SHI among employees at a commercial bank in Dessie, Ethiopia. Methods: value less than 0.05 with a 95% CI. Results: Of 396 samples, 264 (66.7%) responded, of which 93.9% had information about SHI, mainly from broadcast media (71.0%). More than three-fourths (75.8%) and two-thirds (64.4%), respectively, had poor knowledge and a negative perception regarding SHI. More than half (50.4%) of the participants were willing to pay, of which 88.5% (40.5% of the total participants) were interested in paying the 3.0% premium set by the government. The main reason for the WTP was to help those who could not afford medical costs, while the primary reason for not paying was the scheme's limited benefit packages. The WTP was found to be significantly affected by being female (AOR = 0.50, 95% CI: 0.26-0.98), being affiliated with orthodox Christianity (AOR = 0.48, 95% CI: 0.23-0.99), the presence of ≥5 family members in the household (AOR = 0.17, 95% CI: 0.06-0.52), experience of illness in the last 6 months (AOR = 4.95, 95% CI: 2.23-11.00), and perception toward it (AOR = 4.07, 95% CI: 2.03-8.17). Conclusion: The WTP for the scheme was suboptimal, attributed to limited benefit packages, lack of medicines and equipment, and poor healthcare quality, and significantly influenced by being female, being affiliated with orthodox Christianity, family size, experience of illness in the last 6 months, as well as perceptions toward it
Business · Cross-sectional study · Economic growth · Economics · Environmental health · Family medicine · Health care · Psychosocial · Social insurance · Willingness to pay · Global Maternal and Child Health · Health Systems, Economic Evaluations, Quality of Life · Healthcare Systems and Reforms · Medicine
Methodology series module 3
Willingness to Pay for a Contributory Social Health Insurance Scheme
Willingness to pay for social health insurance in Ethiopia
Willingness to pay for social health insurance among public civil servants
Willingness to pay for National Health Insurance Services and Associated Factors in Africa and Asia
Factors influencing willingness to pay for healthcare
Differential willingness of household heads to pay community-based health insurance premia for themselves and other household members
Eliciting preferences for social health insurance in Ethiopia
| Citations per year | 1 |
|---|---|
| Citation span | 2025 - 2025 (1) |
| Highly cited | No |