Awareness Regarding Health Insurance Policy Scheme of Government of Nepal among Local Residents of Dharan Sub-Metropolitan City

Authors

  • Roshni Thapa Yeti Health Science Academy, Kathmandu, Nepal https://orcid.org/0000-0001-5662-4101
  • Shyam Lamsal B. P. Koirala Institute of Health Sciences, Dharan, Nepal
  • Angur Badhu B. P. Koirala Institute of Health Sciences, Dharan, Nepal
  • Sharmila Shrestha B. P. Koirala Institute of Health Sciences, Dharan, Nepal

DOI:

https://doi.org/10.3126/jbpkihs.v4i1.37764

Keywords:

Awareness, Health insurance policy, Universal Health Coverage

Abstract

Background: An expensive care discourages people from using health services. The health insurance policy scheme of the government of Nepal aims to provide quality health care services without a financial burden to its citizens. We aimed to assess its awareness among local people of Dharan and also find its acceptance and association with various demographic variables.

Methods: This cross-sectional study was conducted among 249 households in 5 wards of Dharan sub-metropolitan city. Using a semi-structured questionnaire, a face-to-face interview was taken either from the financial decision maker/ financial supporter of the family. The socio-demographic characteristics, awareness and perception towards the health insurance policy scheme and its acceptance were assessed. The chi-square test was used to find the association of their awareness with different demographic variables.

Results: The majority (70.7%) of the families were aware of the health insurance policy scheme. The most frequent source of knowledge was their friends/ family members (43.7%) followed by insurance service providers (32.4%). Only 36.6% of the families were enrolled in the health insurance policy scheme while 34.1% were not enrolled despite their knowledge about the scheme. Elderly (> 60 years), dependent, those without formal education, or those living below the poverty line were less aware regarding the health insurance policy (p < 0.05).

Conclusion: About 29% of families had no idea about health insurance policy scheme and 34.1% were not enrolled in it despite being aware of the scheme. Friends/ family members and insurance service providers were common sources of information.

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Author Biographies

Roshni Thapa, Yeti Health Science Academy, Kathmandu, Nepal

Lecturer, Department of Community Health Nursing

Shyam Lamsal, B. P. Koirala Institute of Health Sciences, Dharan, Nepal

Department of Community Health Nursing

Angur Badhu, B. P. Koirala Institute of Health Sciences, Dharan, Nepal

Department of Community Health Nursing

Sharmila Shrestha, B. P. Koirala Institute of Health Sciences, Dharan, Nepal

Department of Community Health Nursing

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Published

2021-06-30

How to Cite

Thapa, R., Lamsal, S., Badhu, A., & Shrestha, S. (2021). Awareness Regarding Health Insurance Policy Scheme of Government of Nepal among Local Residents of Dharan Sub-Metropolitan City. Journal of BP Koirala Institute of Health Sciences, 4(1), 32–36. https://doi.org/10.3126/jbpkihs.v4i1.37764

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Section

Original Articles