The Function of National Health Insurance is a Reality or Illusion

Matunda, G. M. (2014) The Function of National Health Insurance is a Reality or Illusion. Masters thesis, The Open University of Tanzania.

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Abstract

The study aimed at finding out if the function of National Health Insurance is a reality or an illusion. Bagamoyo and Kinondoni Districts were chosen as a case study. The study intended to find out the quality of services offered by the health insurance in Tanzania. The researcher used a case study design and the study had a sample of 100 respondents. The study applied stratified sampling technique also primary and secondary data were used where by questionnaires, observations; interview and documentary review were used to carry out the study. Some of employees are appreciative of the way NHIF operates. But majority of respondents are frustrated with the existence of the scheme to the extent that others wish to withdraw. The study indicates that only 25% of the employees who are NHIF customers appreciate existence of the scheme. This situation indicates frustration of customers toward the scheme. The study revealed that, NHIF operates in a different way as it is stipulated in the policy hence the health insurance services offered by NHIF are not satisfactory; they lack courtesy and credibility. The finding show that health insurance services offered by NHIF are not reliable as they are not adequately available, not billed accurately and consistently as guaranteed by NHIF and not delivered on time. Basing on the results of this study, it has been proved that the function of NHIF has been gradually changing from initial setting to wishes of its operators. Hence the function of NHIF is illusion not a reality.

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