Investigation of Moral Hazard Deportments in Community-Based Health Insurance in Guto Gida District, Western Ethiopia: A Qualitative Study

Figures & data

Figure 1 Theoretical framework of the study.

Figure 2 Location map of Guto Gida district, the study area.

Table 1 Demand-Side Moral Hazard Deportments in the CBHI Scheme

SN.	Demand-Side/Clients Moral Hazard Deportments
1	Members of CBHI Repeatedly Visit Health Facilities than Non- Members
2	Members of CBHI Tend to Collect more Drugs from Health Facilities
3	Members of CBHI Minds tendency of confusion in cases of no sickness Ever since they registered to CBHI as member
4	Members of CBHI tend using their cards before it expires
5	Some Members of CBHI give their Card to those who are not Insured
6	The members of CBHI demands extraordinary drugs

Table 2 Supply-Side/Service Providers Moral Hazard Deportments

SN.	Supply-Side/Service Providers Moral Hazard Deportments
1	Overestimating the cost of service delivered to customers of CBHI
2	CBHI Service Suppliers Occasionally Charge for Undelivered Insurance Services
3	Puff up the cost of the insurance services for CBHI clients only
4	Some Health Officers (Nurses) Insult the Members of CBHI

Table 3 Solutions to Minimize Moral Hazard Deportments in the CBHI Scheme

SN.	Solutions to Reduce Moral Hazard Evils
1	Reduction of the Registration and Renewal fees
2	Premium should be paid by Installment
3	Health Workers Should be Careful Before Attending to the Patient
4	Awareness Creation for Users and Service Providers

Table 4 Summary of the Results and Discussions

SN.	Demand-Side/Clients Moral Hazard deportments	Solutions the Moral Hazard Evils
1	Members of CBHI Repeatedly Visit Health Facilities than Non- Members	Reduction of the Registration and Renewal fees Premium should be paid by Installment Health Workers Should be Careful Before Attending to Clients Awareness Creation for Users
2	Members of CBHI Tend to Collect more Drugs from Health Facilities
3	Members of CBHI Minds tendency of confusion in cases of no sickness Ever since they registered to CBHI as member
4	Members of CBHI tend using their cards before it expires
5	Some Members of CBHI give their Card to those who are not Insured
6	The members of CBHI demands extraordinary drugs
Supply-Side/Service Providers Moral Hazard Deportments
1	Overestimating the cost of service delivered to customers of CBHI
2	CBHI Service Suppliers Occasionally Charge for Undelivered Insurance Services
3	Puff up the cost of the insurance services for CBHI clients only
4	Some Health Officers (Nurses) Insult the Members of CBHI