Factors Associated with Enrollment of Household in National Health Insurance Program in Eastern Nepal

Abstract

Background
Health insurance is entrusted to make health services more equitable and decrease the financial burden caused by catastrophic out-of-pocket payments. This study aimed to assess the factors affecting the enrollment of households in National Health Insurance Program (NHIP) in eastern Nepal.
Methods
Cross-sectional data were collected from 189 households in Itahari sub-metropolitan city using a structured questionnaire. Chi-square tests was used to examine the association between NHIP enrollment and selected demographic variables derived from the data.
Results
The findings showed that 63% of households were enrolled in NHIP and enrollment was associated with education, family type, ethnicity, socio-economic status, prior experience of illness, utilization of health facilities, and knowledge regarding NHIP.
Conclusions
Variables like education, family type, ethnicity, socio-economic status, prior experience of illness, utilization of health facility, knowledge regarding the annual premium amount, annual benefit ceiling, and renewal time found to be associated with NHIP enrollment.