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How women chamas can help solve health problems

Eight in every ten women would join a healthcare insurance scheme if established by their own cooperative societies

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by ELISHA SINGIRA

Health21 February 2025 - 16:24
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In Summary


  • The shortcomings of the existing insurance schemes would motivate them to join the cooperative societies to get better cover

Mothers seeking reproductive health services at a health centre.

What if the greatest untapped resource in healthcare is not technology or funding but the power that is within the community?

Community based initiatives can provide solutions to the problems bedeviling the health sector through chamas and community-based cooperatives, according to a new study.

It indicates that 89.8 per cent of women would subscribe to a healthcare insurance scheme if established by their own cooperative societies while 94.1 per cent would be willing to recommend a healthcare insurance scheme to others.

This is according to a research project dubbed “Catalyzing Women’s Involvement in Post-Covid -19 Recovery through Agricultural Cooperatives in Kenya (Winrack Project).

Prof Wycliffe Oboka, one of the researchers in the Winrack project said: “Most women will be willing to join health insurance Cooperative societies. The shortcomings of the existing insurance schemes would motivate them to join the cooperative societies to get better cover as far as health insurance is concerned. Secondly, high cost of living leading to lack of resources and high burden of family provision placed on women was another key motivator for women to join the cooperative health insurance schemes.” 

According to Ampath, Chamas for Change Women Rise group, 73 per cent of women who participate in chamas are more likely to receive at least four Antenatal care services, 68 per cent are more likely to deliver in a health facility, 98 per cent more likely to receive Community Health Volunteer services within 48 hours of delivery and 74 per cent more likely to exclusively breastfeed for six months.

Anjella Juma, a researcher at Ampath said: “Covid 19 exposed and worsened the existing structural challenges in global health systems especially maternal newborn and child health (MNCH) services in the Sub-Saharan Africa. Therefore, Chamas can create a support network that allows people to share resources and information within their specific groups.”

She added: “Strengthening integration with formal health systems and addressing structural barriers are critical to improving outcomes. The National and County Governments should take up community level interventions into the formal health systems to ensure Maternal and Newborn Child Health (MNCH) services are not majorly affected during times of crises. They should develop robust contingency plans within health systems to ensure uninterrupted maternal health services during emergencies.”

Dependency on spouses for resources, poor agricultural yields, lack of constant income, high insurance premiums with the existing schemes contributed to the financial challenges which made it difficult for women to have funds to have access to quality healthcare. The researchers recommended for the establishment of a dedicated emergency medical fund for members within the cooperative societies tailored to provide insurance services to meet their medical needs.

The researchers have called on all stakeholders to support the relevance and significance of a cooperative-based health Insurance Scheme (CoBIS) and table banking as viable inclusions to the government’s healthcare initiatives. Furthermore, they called for development policies to support cooperative-based health insurance schemes.

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