Zambia: Zambia's National Health Insurance Cuts Costs for Older People, but Funding Gaps Limit Its Potential - Study
[The Conversation Africa] As people age, they are more likely to experience chronic illnesses such as hypertension (high blood pressure), diabetes and heart disease that require regular medical attention. Yet many older adults can't afford healthcare.
Zambia's National Health Insurance Scheme (NHIS) has made strides in improving healthcare access for older people in the north-central district of Kitwe, according to a recent study. The scheme, managed by the National Health Insurance Management Authority, helps to cover healthcare costs for elderly citizens, people with disabilities, and those classified as poor or vulnerable, exempting them from contributions.
Research conducted by the study's authors revealed three key findings. Firstly, the scheme significantly reduces out-of-pocket healthcare expenses for older people, particularly those living in the formal sector who are required to contribute 1% of their basic pay. Those in the informal sector pay a monthly fee of between K30 and K50 (US$1.50-2.60), with most aged 55 to 64 paying the minimum amount of K30.
Secondly, the NHIS offers equal access to healthcare services for members at all accredited facilities, both public and private. This enables older people to choose from a wider range of healthcare options. Finally, awareness campaigns and registration drives have successfully increased enrolment among the elderly population, bringing healthcare services closer to vulnerable individuals.
However, challenges remain. The shortage of medicines at some facilities and distance to healthcare centers are significant barriers for older people seeking care. Additionally, system failures and administrative delays can result in delays in care, affecting timely access to healthcare for older adults.
Written by urgent.news from AllAfrica Health's reporting — not their text. Machine-written — may contain errors; check the original before relying on it.
