Factors associated with health insurance enrolment among ghanaian children under the fve years. Analysis of secondary data from a national survey
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Date
2022
Authors
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Publisher
BMC Health Services Research
Abstract
Background: Health insurance enrolment provides financial access to health care and reduces the risk of catastrophic healthcare expenditure. Therefore, the objective of this study was to assess the prevalence and correlates of
health insurance enrolment among Ghanaian children under five years.
Methods: We analyzed secondary data from the 2017/18 Ghana Multiple Indicator Cluster Survey. The survey was
a nationally representative weighted sample comprising 8,874 children under fve years and employed Computer
Assisted Personal Interviewing to collect data from the participants. In addition, Chi-square and Logistic Regression
analyses were conducted to determine factors associated with health insurance enrolment.
Results: The results showed that a majority (58.4%) of the participants were insured. Health insurance enrollment
was associated with child age, maternal educational status, wealth index, place of residence and geographical region
(p<0.05). Children born to mothers with higher educational status (AOR=2.14; 95% CI: 1.39–3.30) and mothers in the
richest wealth quintile (AOR=2.82; 95% CI: 2.00–3.98) had a higher likelihood of being insured compared with their
counterparts. Also, children residing in rural areas (AOR=0.75; 95% CI: 0.61–0.91) were less likely to be insured than
children in urban areas.
Conclusion: This study revealed that more than half of the participants were insured. Health insurance enrolment
was influenced by the child’s age, mother’s educational status, wealth index, residence, ethnicity and geographical region. Therefore, interventions aimed at increasing health insurance coverage among children should focus on
children from low socio-economic backgrounds. Stakeholders can leverage these findings to help improve health
insurance coverage among Ghanaian children under five years.
Description
Research Article
Keywords
Health insurance, Children under fve years, Ghana, Enrolment, Factors