Uptake of Health Microinsurance among the Informal Sector in Kenya

This book provides detailed research-based evidence on the key role Health Microinsurance (HMI) play in boosting the long-term growth of an economy. In Kenya the right to health is a fundamental human right guaranteed in its Constitution. However, the high cost of healthcare in Kenya limits access to these services for many, given that 56 per cent of the population lives below the poverty line earning less than one dollar a day. As a result, out of pocket payment for health services pushes about 1.48 million Kenyans below poverty line. This study examined how perceived value proposition (PVP), bidirectional communication (BC), social capital (SC) and informal sector culture (ISC) affects the uptake of health microinsurance among informal sector workers in Kenya while being moderating effect of mobile telephone technology (MTT). the study revealed ISC, PVC and BC and SC had significant joint influence on uptake of HMI. However, the contribution of SC to the joint influence was found negative. This book is certainly relevant to innovators in the health sectors and microinsurance ecosystem, policy makers, Insurance Underwriters, Insurance Regulators, Learning Institutions and researchers in the informal sector.