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

Sharifa Ezat Wan Puteh, Azimatun Noor Aizuddin, Abdulaziz Abdullah Al Salem
International Journal of Finance, Insurance and Risk Management, Volume 13, Issue 1, 3-26, 2023
DOI: 10.35808/ijfirm/341


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.

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