Examining gender differentials and determinants of private health insurance coverage in Zambia

Abstract Background Health insurance is an essential aspect of healthcare. This is because it enables the insured to acquire timely and essential healthcare services, besides offering financial protection from catastrophic treatment costs. This paper seeks to establish gender differentials and deter...

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Autores principales:	James Mulenga, Mulenga C. Mulenga, Katongo M. C. Musonda, Chilizani Phiri
Formato:	article
Lenguaje:	EN
Publicado:	BMC 2021
Materias:	Health insurance Coverage Gender ZDHS Zambia Public aspects of medicine RA1-1270
Acceso en línea:	https://doaj.org/article/a59b9e4e91884406a9e27de24c7b673f
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spelling	oai:doaj.org-article:a59b9e4e91884406a9e27de24c7b673f2021-11-14T12:09:52ZExamining gender differentials and determinants of private health insurance coverage in Zambia10.1186/s12913-021-07253-y1472-6963https://doaj.org/article/a59b9e4e91884406a9e27de24c7b673f2021-11-01T00:00:00Zhttps://doi.org/10.1186/s12913-021-07253-yhttps://doaj.org/toc/1472-6963Abstract Background Health insurance is an essential aspect of healthcare. This is because it enables the insured to acquire timely and essential healthcare services, besides offering financial protection from catastrophic treatment costs. This paper seeks to establish gender differentials and determinants of health insurance coverage in Zambia. Methods The data used in this study was obtained from the 2018 Zambia Demographic and Health Survey. Data were analyzed using STATA 13.0 software and focused on descriptive and Probit regression analyses. Results The study reveals that for women and men, age, wealth category, education, and professional occupation are positively associated with health insurance while being self-employed in the agricultural sector negatively influences health insurance coverage for both sexes. Other variables have gender-specific effects. For instance, being in marital union and having a clerical occupation increases the probability of having health insurance for women while being in the services, skilled, and unskilled manual occupations increases the probability of having health insurance for men. Further, residing in rural areas reduces the probability of having health insurance for men. Conclusion The study concludes that there are differences in factors that influence health insurance between women and men. Hence, this study highlights the need to enhance health insurance coverage by addressing the different factors that influence health insurance coverage among men and women. These factors include enhancing education, job creation, diversifying insurance schemes, and gender consideration in the design of National Health Insurance Scheme.James MulengaMulenga C. MulengaKatongo M. C. MusondaChilizani PhiriBMCarticleHealth insuranceCoverageGenderZDHSZambiaPublic aspects of medicineRA1-1270ENBMC Health Services Research, Vol 21, Iss 1, Pp 1-11 (2021)
institution	DOAJ
collection	DOAJ
language	EN
topic	Health insurance Coverage Gender ZDHS Zambia Public aspects of medicine RA1-1270
spellingShingle	Health insurance Coverage Gender ZDHS Zambia Public aspects of medicine RA1-1270 James Mulenga Mulenga C. Mulenga Katongo M. C. Musonda Chilizani Phiri Examining gender differentials and determinants of private health insurance coverage in Zambia
description	Abstract Background Health insurance is an essential aspect of healthcare. This is because it enables the insured to acquire timely and essential healthcare services, besides offering financial protection from catastrophic treatment costs. This paper seeks to establish gender differentials and determinants of health insurance coverage in Zambia. Methods The data used in this study was obtained from the 2018 Zambia Demographic and Health Survey. Data were analyzed using STATA 13.0 software and focused on descriptive and Probit regression analyses. Results The study reveals that for women and men, age, wealth category, education, and professional occupation are positively associated with health insurance while being self-employed in the agricultural sector negatively influences health insurance coverage for both sexes. Other variables have gender-specific effects. For instance, being in marital union and having a clerical occupation increases the probability of having health insurance for women while being in the services, skilled, and unskilled manual occupations increases the probability of having health insurance for men. Further, residing in rural areas reduces the probability of having health insurance for men. Conclusion The study concludes that there are differences in factors that influence health insurance between women and men. Hence, this study highlights the need to enhance health insurance coverage by addressing the different factors that influence health insurance coverage among men and women. These factors include enhancing education, job creation, diversifying insurance schemes, and gender consideration in the design of National Health Insurance Scheme.
format	article
author	James Mulenga Mulenga C. Mulenga Katongo M. C. Musonda Chilizani Phiri
author_facet	James Mulenga Mulenga C. Mulenga Katongo M. C. Musonda Chilizani Phiri
author_sort	James Mulenga
title	Examining gender differentials and determinants of private health insurance coverage in Zambia
title_short	Examining gender differentials and determinants of private health insurance coverage in Zambia
title_full	Examining gender differentials and determinants of private health insurance coverage in Zambia
title_fullStr	Examining gender differentials and determinants of private health insurance coverage in Zambia
title_full_unstemmed	Examining gender differentials and determinants of private health insurance coverage in Zambia
title_sort	examining gender differentials and determinants of private health insurance coverage in zambia
publisher	BMC
publishDate	2021
url	https://doaj.org/article/a59b9e4e91884406a9e27de24c7b673f
work_keys_str_mv	AT jamesmulenga examininggenderdifferentialsanddeterminantsofprivatehealthinsurancecoverageinzambia AT mulengacmulenga examininggenderdifferentialsanddeterminantsofprivatehealthinsurancecoverageinzambia AT katongomcmusonda examininggenderdifferentialsanddeterminantsofprivatehealthinsurancecoverageinzambia AT chilizaniphiri examininggenderdifferentialsanddeterminantsofprivatehealthinsurancecoverageinzambia
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Examining gender differentials and determinants of private health insurance coverage in Zambia

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