The household factors that facilitate the uptake of community based health insurance for maternal healthcare services utilization in Karisimbi health Zone, North- Kivu, Drc

This study focuses on the influence of CBHI on the use of maternal health services in the Karisimbi health zone. It was carried out by collecting data from the households of women who were members or non-members of CBHI and who gave birth during 2021, in order to gather information on how CBHI does or does not influence their use of maternal health services during pregnancy, during childbirth and after childbirth. The choice of study was motivated by the fact that, in general, previous studies have revealed that the use of maternal health services by breastfeeding women who are members or non-members of the CBHI is low in the DRCongo, with the demographic consequence of increasing maternal morbidity and infant mortality. This situation is exacerbated in both semi-rural and urban areas, as other obstacles to access to maternal health services include cultural, religious or family limitations, lack of knowledge of CBHI principles, low levels of education among the population, and rumors and misinformation about the benefits and consequences of joining a CBHI. Thus, the level of education significantly influenced the adoption of CBHI for the use of maternal services, with the highest rate of adherence recorded among those with full secondary education (41%). However, service use was higher among BFHI members with lower levels of education than among non-members. Marital status was also a significant predictor of utilization of ANC, delivery and CBHI ANC services. Utilization of delivery and ANC services was slightly higher among married and divorced women in the CBHI group than among their counterparts in the non-member group. The results of the analysis indicate a significant relationship between socio-economic status, i.e. monthly income and source of income, and CBHI use of maternal services. BFHI use was higher among those with high socioeconomic status and lower among those with low socioeconomic status. On the other hand, use of maternal health services decreased as socioeconomic status increased.