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Title: :  DETERMINANTS OF DEMAND FOR HEALTH INSURANCE: A CASE STUDY OF PUBLIC SERVICE EMPLOYEES IN ZIMBABWE
PaperId: :  13256
Published in:   International Journal Of Advance Research And Innovative Ideas In Education
Publisher:   IJARIIE
e-ISSN:   2395-4396
Volume/Issue:    Volume 6 Issue 6 2020
DUI:    16.0415/IJARIIE-13256
Licence: :   IJARIIE is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Author NameAuthor Institute
Mr. Takudzwa. C. MARADZEMidlands State University, Harare, Zimbabwe
Mr. Thabani NYONIUniversity of Zimbabwe, Harare, Zimbabwe
Dr. Smartson. P. NYONIUniversity of Zimbabwe, Harare, Zimbabwe

Abstract

Economics
Demand for Health, Healthcare Insurance, Zimbabwe
The study empirically investigated factors that influence the demand for health insurance cover by the public service employees in Zimbabwe. This came in the wake of deteriorating health standards and nonparticipation in health insurance schemes on the part of most of these employees and the generality of Zimbabweans. Understanding these factors explained the reason why most public service employees are not insured. The study used the convenience and judgment sampling procedures. Open ended questionnaires were used to interview 149 government employees at the Mukwati Government offices in Harare to obtain primary data about on the demographic characteristics and perception on health insurance. Given the binary nature of Health Insurance Participation, the data presentation and analysis were done using descriptive statistics and the probit model. The regression results pointed out that premium paid, employment type, place of residence, access to information, education level and insurance quality are all significant predictors of participation in health insurance schemes. The study recommends that the Government should continuously provide health care information in learning institutions and at workplaces, so that individuals see the need to prepare for catastrophic healthcare expenses. The study argues that, for the health insurance industry to maintain greater involvement in the nation’s educational achievements and productivity stimulating, they should together with relevant financial institutions provide diverse and competitive insurance packages that lure clients to them.

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IJARIIE Mr. Takudzwa. C. MARADZE, Mr. Thabani NYONI, and Dr. Smartson. P. NYONI. "DETERMINANTS OF DEMAND FOR HEALTH INSURANCE: A CASE STUDY OF PUBLIC SERVICE EMPLOYEES IN ZIMBABWE" International Journal Of Advance Research And Innovative Ideas In Education Volume 6 Issue 6 2020 Page 1290-1313
MLA Mr. Takudzwa. C. MARADZE, Mr. Thabani NYONI, and Dr. Smartson. P. NYONI. "DETERMINANTS OF DEMAND FOR HEALTH INSURANCE: A CASE STUDY OF PUBLIC SERVICE EMPLOYEES IN ZIMBABWE." International Journal Of Advance Research And Innovative Ideas In Education 6.6(2020) : 1290-1313.
APA Mr. Takudzwa. C. MARADZE, Mr. Thabani NYONI, & Dr. Smartson. P. NYONI. (2020). DETERMINANTS OF DEMAND FOR HEALTH INSURANCE: A CASE STUDY OF PUBLIC SERVICE EMPLOYEES IN ZIMBABWE. International Journal Of Advance Research And Innovative Ideas In Education, 6(6), 1290-1313.
Chicago Mr. Takudzwa. C. MARADZE, Mr. Thabani NYONI, and Dr. Smartson. P. NYONI. "DETERMINANTS OF DEMAND FOR HEALTH INSURANCE: A CASE STUDY OF PUBLIC SERVICE EMPLOYEES IN ZIMBABWE." International Journal Of Advance Research And Innovative Ideas In Education 6, no. 6 (2020) : 1290-1313.
Oxford Mr. Takudzwa. C. MARADZE, Mr. Thabani NYONI, and Dr. Smartson. P. NYONI. 'DETERMINANTS OF DEMAND FOR HEALTH INSURANCE: A CASE STUDY OF PUBLIC SERVICE EMPLOYEES IN ZIMBABWE', International Journal Of Advance Research And Innovative Ideas In Education, vol. 6, no. 6, 2020, p. 1290-1313. Available from IJARIIE, http://ijariie.com/AdminUploadPdf/DETERMINANTS_OF_DEMAND_FOR_HEALTH_INSURANCE__A_CASE_STUDY_OF_PUBLIC_SERVICE_EMPLOYEES_IN_ZIMBABWE_ijariie13256.pdf (Accessed : ).
Harvard Mr. Takudzwa. C. MARADZE, Mr. Thabani NYONI, and Dr. Smartson. P. NYONI. (2020) 'DETERMINANTS OF DEMAND FOR HEALTH INSURANCE: A CASE STUDY OF PUBLIC SERVICE EMPLOYEES IN ZIMBABWE', International Journal Of Advance Research And Innovative Ideas In Education, 6(6), pp. 1290-1313IJARIIE [Online]. Available at: http://ijariie.com/AdminUploadPdf/DETERMINANTS_OF_DEMAND_FOR_HEALTH_INSURANCE__A_CASE_STUDY_OF_PUBLIC_SERVICE_EMPLOYEES_IN_ZIMBABWE_ijariie13256.pdf (Accessed : )
IEEE Mr. Takudzwa. C. MARADZE, Mr. Thabani NYONI, and Dr. Smartson. P. NYONI, "DETERMINANTS OF DEMAND FOR HEALTH INSURANCE: A CASE STUDY OF PUBLIC SERVICE EMPLOYEES IN ZIMBABWE," International Journal Of Advance Research And Innovative Ideas In Education, vol. 6, no. 6, pp. 1290-1313, Nov-Dec 2020. [Online]. Available: http://ijariie.com/AdminUploadPdf/DETERMINANTS_OF_DEMAND_FOR_HEALTH_INSURANCE__A_CASE_STUDY_OF_PUBLIC_SERVICE_EMPLOYEES_IN_ZIMBABWE_ijariie13256.pdf [Accessed : ].
Turabian Mr. Takudzwa. C. MARADZE, Mr. Thabani NYONI, and Dr. Smartson. P. NYONI. "DETERMINANTS OF DEMAND FOR HEALTH INSURANCE: A CASE STUDY OF PUBLIC SERVICE EMPLOYEES IN ZIMBABWE." International Journal Of Advance Research And Innovative Ideas In Education [Online]. volume 6 number 6 ().
Vancouver Mr. Takudzwa. C. MARADZE, Mr. Thabani NYONI, and Dr. Smartson. P. NYONI. DETERMINANTS OF DEMAND FOR HEALTH INSURANCE: A CASE STUDY OF PUBLIC SERVICE EMPLOYEES IN ZIMBABWE. International Journal Of Advance Research And Innovative Ideas In Education [Internet]. 2020 [Cited : ]; 6(6) : 1290-1313. Available from: http://ijariie.com/AdminUploadPdf/DETERMINANTS_OF_DEMAND_FOR_HEALTH_INSURANCE__A_CASE_STUDY_OF_PUBLIC_SERVICE_EMPLOYEES_IN_ZIMBABWE_ijariie13256.pdf
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