Profiling Dependents Joining Medical Schemes : An Analysis of Factors Influencing Enrollment Decisions

Enrolling dependents in medical schemes ensures comprehensive healthcare coverage for individuals and families. Healthcare providers, insurers, and policymakers must understand the factors influencing dependents' decisions to join medical schemes to develop effective strategies and improve enrollment rates. This study examines demographic factors such as age and gender that impact dependents' decisions to enrol in medical schemes. The study also considers the influence of scheme type and size. Data for the study were obtained from annual statutory returns, providing descriptive cross-sectional information on dependents joining medical schemes from 2017 to 2021. The findings reveal that, on average, 1.1 million new dependents join medical schemes each year, with an average age of 17. Newborns constitute 23% of new dependents, while those under five account for 35% of the total new dependents. Dependents over 60 represent an average of 4%, while those between 5 and 59 years old make up 61%. Based on these results, interventions aimed at expanding health insurance coverage should prioritize the healthcare needs of children and the elderly. Targeted marketing campaigns for medical schemes should be tailored to address the unique requirements of these vulnerable populations and facilitate their enrollment in suitable medical schemes and benefit options. These findings contribute to evidence-based strategies for attracting and retaining dependents, enhancing accessibility and affordability, and improving the overall effectiveness of medical schemes