insurance services in sudan
There are a number of insurance services in Sudan. The state-owned Shiekan Insurance Company is market leader. Amongst private companies, the New Sudan Insurance Company was incorporated in September 2007 and licensed by the Bank of South Sudan (BOSS). These insurers provide a diverse array of products and services including fire and allied perils, money insurance, group personal accident, burglary, and engineering insurance.
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Sudan is a country that has been blighted by bloody civil wars since 1956. It is also a lower middle income country. In order to promote the well being of its citizens, the government has put in place a comprehensive healthcare scheme. This includes the National Health Insurance Fund (NHIF). NHIF, a social health insurance scheme, was launched in 1995. NHIF provides medical services to its beneficiaries through the operation of primary healthcare centers and hospitals. NHIF clients are generally aged 46 or older.
In addition to the NHIF, there is a robust private sector health insurance sector in Sudan. Most of these institutions offer voluntary insurance services to employees of international organizations and local companies. The National Health Sector Strategy of 2017 – 2030 places universal health coverage at the top of its agenda. However, there are still many hurdles to overcome before achieving this goal.
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The most important obstacle for private health insurance is affordability of premiums. The most significant challenges for Social Health Insurance include achieving universal health coverage, maintaining sustainability, and recruiting the informal sector.
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A comprehensive survey of the NHIF revealed that the number of clients who had visited out-of-network physicians during the previous six months was 63.2%. Nevertheless, NHIF clients were very satisfied with the quality of their care. Despite this, the average wait time at NHIF clinics was perceived as long by out-of-network users. As such, the study suggests that the health industry in Sudan is in need of a more efficient model of provider-patient communication.
Another study in the region investigated the factors affecting utilization of SHI. Specifically, the study examined the determinants of voluntary out-of-network physician visit utilization. Participants were selected from five Private Health Insurance companies in the country. Those surveyed were asked to complete a structured interview questionnaire. Using multivariate logistic regression, the researchers identified a number of key determinants. Of these, the rating of general practitioner care was a particularly important determinant.
Although the aforementioned study was limited in scope, it did highlight the fact that a comprehensive assessment of the quality of insurance services in Sudan is a necessary and timely endeavor. Moreover, it drew a distinction between various types of insurance, namely Social Health Insurance and Private Health Insurance. Consequently, the results revealed a variety of useful insights about the performance of these two schemes in Sudan.
Finally, the aforementioned study did not explore one important topic: the actual satisfaction of customers. This is a critical component of the sustainability of insurance services in Sudan. Hence, it is important to understand the factors affecting enrolment in insurance plans.