International Journal For Multidisciplinary Research

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Factors Associated with Increased Utilization of Health Information on Community-based Insurance Premiums to Promote Health-seeking Behaviors among Community Households in Gasabo District, Rwanda

Author(s) Nimbona Claire, Maurice B. Silali, Uwayisenga Andre Marc
Country Rwanda
Abstract Globally, regionally and locally in Rwanda, Community-based health insurance (CBHI) has emerged as major health financing source of pooling health risks among the community households and an innovative approach to improving access to affordable and equitable healthcare, particularly in low- and middle-income countries where financial barriers often limit service utilization. Despite its growing low adoption with promising benefits in enhancing health-seeking behavior in utilization due to its affordability, despite existing socioeconomic disparities continue to cause challenges to various population health with various types of disease burdens. It’s these reasons that led to study factors associated with increased health information on utilization of community-based insurance premiums to promote health-seeking behaviors among community households in Gasabo district. Specifically, determine the prevalence associated with increased health information on utilization of community-based insurance, assess the level of affordability of Premiums associated with the utilization of community-based insurance, determine the level of community participation of the elderly population's health in the utilization of CBHI and lastly determine level of health education associated with increased health information on utilization of community health insurance premiums among community households in Gasabo District). Study was mixed approaches of survey and interviews using semi structured questionnaire, key informants and focus group discussion guides FGDs. Study designs were descriptive, cross sectional, cohort and triangulation of themes into saturation. Study techniques were purposive, prospective, retrospective using a rapid review form, and subthemes discussion to saturation, data management was by SPSS version 19 and analyzed by cross tabulation of descriptive and inferential statistics. Data presentation was by figures, and tables. Research thesis was approved by School of postgraduate MKUR, and ethical clearance from MKU ethical committee and Gasabo district. The results opined that age distribution shows that the highest proportion of CBHI premium contributors was 60–70 years age group 102 (24.2%), and least cohort was 72(17%) with significant insurance protection impact p values 0.023,and RR(0.2, 0.17).Majority of gender in the utilization of health information on CBHI were male (52.4%) respondents, and females represented 47.6%, indicating a relatively balanced gender composition to mediate sustainability of insurance prevalence on the utilization of community health insurance premiums among the community households in the study area is 82 % (346), with significant protection of the community house on health seeking behaviors of p values 0.02 and potential impact of RR( 0.8, 0.2) premiums’ uptake via health information, with significant P value of 0.012 and 95% CI. majority of respondents, 320 (75.83%) received affordable premium packages of the Community-Based Health Insurance. majority 328 (77.73%). Elderly respondent was active community participation in CBHI, and only few 94 (22.27%) indicated no such participation but significant p value of 0.004, 95% CI. Community health workers and least source were from the TV/ radio social Medias which was significant with chi square 3.279 and p values of 0.023 protective. Need to strengthen health education, improve affordability mechanisms, and enhance community participation particularly among elderly populations to sustain and increase CBHI utilization and promote positive health-seeking behavior.
Keywords Afordability, CBHI premium
Field Medical / Pharmacy
Published In Volume 8, Issue 4, July-August 2026
Published On 2026-08-16
DOI https://doi.org/10.36948/ijfmr.2026.v08i04.81561
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CrossRef DOI prefix of IJFMR is 10.36948/ijfmr

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