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Is National Health Insurance Feasible for Saudi Healthcare Services? A Qualitative Study

Author

Listed:
  • Sharifa Ezat Wan Puteh
  • Azimatun Noor Aizuddin
  • Abdulaziz Abdullah Al Salem

Abstract

Purpose: The objective of this study is to assess qualitatively the benefits, barriers, and factors associated with implementation of National Health Insurance (NHI) system in KSA based on face-to-face interviews. Design/Methodology/Approach: Qualitative data was collected through 20 interviews conducted to determine the benefits, barriers, and factors associated with implementation of NHI system in the KSA. An Atlas.ti.8 version was selected for the qualitative data analysis. Findings: This study attempts to identify the benefits and barriers of implementation of NHI system. The final recommendation of this research is the implementation of the NHI ‘TAKAFUL’ type after the creation of high levels of awareness among citizens, establishment of an administrative control center, and the development of a strong healthcare infrastructure. Practical implications: The health care system in the Kingdom of Saudi Arabia (KSA) is financed almost entirely by oil revenues and is "free at the point of delivery” This system is experiencing increase strains because of the escalating expenditures and the growing volatility of the oil market. It is also unlikely to be viable in the medium to long term. Originality value: This is considered feasible option based on the nature of Saudi citizens and their level of satisfaction with existing public healthcare services.

Suggested Citation

  • Sharifa Ezat Wan Puteh & Azimatun Noor Aizuddin & Abdulaziz Abdullah Al Salem, 2023. "Is National Health Insurance Feasible for Saudi Healthcare Services? A Qualitative Study," International Journal of Finance, Insurance and Risk Management, International Journal of Finance, Insurance and Risk Management, vol. 13(1), pages 3-26.
    • Handle: RePEc:ers:ijfirm:v:13:y:2023:i:1:p:3-26
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    References listed on IDEAS

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    1. Stefan Bauernschuster & Anastasia Driva & Erik Hornung, 2020. "Bismarck’s Health Insurance and the Mortality Decline [Disease and Development: The Effect of Life Expectancy on Economic Growth]," Journal of the European Economic Association, European Economic Association, vol. 18(5), pages 2561-2607.
    2. Darius Erlangga & Marc Suhrcke & Shehzad Ali & Karen Bloor, 2019. "The impact of public health insurance on health care utilisation, financial protection and health status in low- and middle-income countries: A systematic review," PLOS ONE, Public Library of Science, vol. 14(8), pages 1-20, August.
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    More about this item

    Keywords

    National Health insurance; Feasibility; Saudi Arabia; Healthcare.;
    All these keywords.

    JEL classification:

    • I12 - Health, Education, and Welfare - - Health - - - Health Behavior
    • I14 - Health, Education, and Welfare - - Health - - - Health and Inequality
    • I15 - Health, Education, and Welfare - - Health - - - Health and Economic Development

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