Challenges in the Uptake and Provision of Medical Insurance in Kenya

Abstract

The study investigated the challenges in the uptake and provision of medical insurance in Kenya. The objectives of the study were to determine the challenges in the uptake and provision of medical insurance in Kenya and measures to be adopted in overcoming these challenges. A descriptive survey design was used; data was collected from respondents using semi-structured questionnaires and data was analysed using SPSS analysis software. Tables, bar graphs and charts were used in presentation of data. From the findings it is clear that cost of medical insurance, disposable income and marketing activities are the main challenges in the provision of medical insurance in Kenyan. Fraud, cost of health care and lack of knowledge on medical insurance are the major challenges in the provision of health insurance in Kenya. The study recommends that medical insurance providers should develop affordable products to avoid locking out many would be clients who cannot afford to pay costly premiums. By collaborating with health care providers, medical insurance providers could negotiate cheaper health care costs for their members. Medical insurance providers should carry out marketing campaigns and should also open more branches in rural towns so as create more awareness on medical insurance and its benefits. Insurers should also introduce discounts for clients with few claims to encourage prudent usage of medical covers which are often misused resulting to increased costs. The introduction of discounts may also avert moral hazard. The study recommends further research on medical insurance by narrowing down to specific challenges identified such as fraud or information technology.