Table 1 Codes and description
Codes | Description |
|---|---|
Inadequate population coverage | Barriers as a result of low enrolment and low renewal rates, or the voluntary nature of scheme |
High claim rate | Significant rate of healthcare consumption due to adverse selection and moral hazard |
High startup and administrative cost | Regular advertising campaigns, transportation, claim processing, staff salaries, infrastructure, and so on all incur costs |
Scheme design | Barriers due to benefit package design, premium amount, co-payment rate, etc |
Competitive healthcare market | In the catchment areas, the influence of informal providers such as village practitioners, traditional healers, and drug sellers, as well as professional providers |
Inadequate knowledge on health insurance principle and CBHI | Community's perception on health insurance modalities |
Quality of care and trust | Barriers related to inadequate health care supplies e.g., healthcare providers and drugs availability, quality of drugs, healthcare providers behaviors, etc. and barriers to trust on management due to less community or government engagement or due to earlier bad experiences |
Distance to health facility | Distance to a health facility creates barriers in the form of transportation and time costs for users |