Communication Factors Influencing Awareness of Government Medical Schemes among Informal Sector Workers: A Study of Kibera Sub-County, Nairobi County, Kenya
DOI:
https://doi.org/10.47604/ijcpr.3931Keywords:
Health Communication, Social Health Authority, Informal Sector, Message Clarity, Institutional TrustAbstract
Purpose: This study examined communication factors influencing awareness of government medical schemes in Kenya among informal sector workers in Kibera Sub-County, Nairobi County.
Methodology: The study utilized an explanatory sequential mixed-methods design. The target population comprised urban informal sector workers, from which a sample of 130 respondents was drawn for a quantitative survey, complemented by 12 purposively selected Key Informant Interviews (KIIs) and content analysis of 50 communication artifacts. Quantitative data were processed using SPSS Version 28 to generate descriptive statistics and inferential tests.
Findings: The findings highlighted that while 95.4% of respondents superficially recognized the scheme's existence, there was a functional awareness deficit: 31.5% were unable to identify basic benefits, and 46.9% associated mandatory contributions with taxation. There was a significant association between technical English-language materials and lower comprehension (chi-square = 34.28, p < .001, Cramer's V = .586), while Sheng-based materials generated superior comprehension. Interpersonal channels generated a five-fold comprehension leverage ratio compared to mass media broadcasting. Inferential analysis revealed a positive correlation (r = .363, p < .001) between message comprehension and institutional trust. Demographic variables showed no protective effect against confusion. The study concluded that awareness and trust deficits within the informal sector are not demographic challenges, but structural institutional communication design failures rooted in bureaucratic messaging, language exclusion, and opaque financial terminology.
Unique Contribution to Theory, Practice and Policy: The study validated the Health Belief Model’s construct that awareness without comprehension is a weak cue to action and Social Marketing Theory’s Promotion principle that the effectiveness of the channel and not just the channel reach is key in determining the uptake of government medical schemes in the informal sector. SHA must be flexible in its language policy to include comprehensible Swahili and Sheng to dismantle the cognitive barriers erected by bureaucracy. SHA should scale up Community Health Volunteers (CHV) access to increase understanding of the medical scheme. The SHA Communication department must ensure technical terminology and registration instructions are replaced with plain language so as to transparently address the existing trust deficit. Additionally, campaigns must transition from top-down institutional directives to peer-led advocacy.
Downloads
References
Aldousari, E., Alhajeri, M., & Kithinji, D. (2025). eHealth literacy and knowledge of social health financing among undergraduate healthcare students in Kenya. International Journal of Environmental Research and Public Health, 22, 1560. https://doi.org/10.3390/ijerph22101560
Andreasen, A. R. (1995). Marketing social change: Changing behavior to promote health, social development, and the environment. Jossey-Bass.
Andreasen, A. R. (2016). Social marketing in the 21st century (2nd ed.). SAGE Publications.
Barasa, E. W., Mwaura, N., Rogo, K., & Andrawes, L. (2017). Extending voluntary health insurance to the informal sector: Experiences and expectations of the informal sector in Kenya. Wellcome Open Research, 2, Article 94. https://doi.org/10.12688/wellcomeopenres.12656.1
Beauchamp, T. L., & Childress, J. F. (2013). Principles of biomedical ethics (7th ed.). Oxford University Press.
Braun, V., & Clarke, V. (2006). Using thematic analysis in psychology. Qualitative Research in Psychology, 3(2), 77–101. https://doi.org/10.1191/1478088706qp063oa
Bukve, O. (2019). Designing social science research. Palgrave Macmillan.
Champion, V. L., & Skinner, C. S. (2008). The health belief model. In K. Glanz, B. K. Rimer, & K. Viswanath (Eds.), Health behavior and health education: Theory, research, and practice (4th ed., pp. 45–65). Jossey-Bass.
Cliffe Dekker Hofmeyr. (2024, July 22). The Kenyan High Court delivers a judgment on the Social Health Insurance Act, 2023 and the related Acts. CDH Online.
Cochran, W. G. (1977). Sampling techniques (3rd ed.). John Wiley & Sons.
Creswell, J. W., & Clark, V. L. P. (2018). Designing and conducting mixed methods research (3rd ed.). SAGE Publications.
French, J., Russell-Bennett, R., & Lefebvre, R. C. (2020). Social marketing and public health: Theory and practice (2nd ed.). Oxford University Press.
Hastings, G., & Angus, K. (2011). When is social marketing not social marketing? Journal of Social Marketing, 1(1), 45–53. https://doi.org/10.1108/20426761111104428
Humphreys, G. (2013). Gabon gets everyone under one social health insurance roof. Bulletin of the World Health Organization, 91(5), 318–319. https://doi.org/10.2471/BLT.13.020513
International Labor Organization. (2002). Decent work and the informal economy. ILO.
Jehu-Appiah, C., Aryeetey, G., Agyepong, I., Spaan, E., & Baltussen, R. (2011). Household perceptions and their implications for enrolment in the National Health Insurance Scheme in Ghana. Health Policy and Planning, 27(3), 222–233. https://doi.org/10.1093/heapol/czr032
Jung, J. (2021). Universal health coverage and the politics of health in low- and middle-income countries. Global Health Governance, 15(1), 1–18.
Kamau, J. W., Otieno, P. K., Mwende, A. N., & Oloo, B. A. (2025). Implementation challenges of the Social Health Insurance Fund (SHIF) and their implications for universal health coverage in Kenya. International Journal of Innovation, Enterprise, and Social Sciences, 5(1), 408–415.
Kenya National Bureau of Statistics. (2019). Kenya population and housing census: Volume I, Population by county and sub-county. KNBS.
Kinyanjui, M. (2024, September 29). What happens to NHIF contributions as Kenyans migrate to Social Health Insurance Fund? Citizen Digital.
Kotler, P., & Lee, N. R. (2017). Social marketing: Behavior change for social good (5th ed.). SAGE Publications.
Landis, J. R., & Koch, G. G. (1977). The measurement of observer agreement for categorical data. Biometrics, 33(1), 159–174.
Leavy, P. (2017). Research design: Quantitative, qualitative, mixed methods, arts-based, and community-based participatory research approaches. Guilford Press.
Lu, C., Chin, B., Lewandowski, J. L., Basinga, P., Hirschhorn, L. R., Hill, K., Murray, M., & Binagwaho, A. (2012). Towards universal health coverage: An evaluation of Rwanda's community-based health insurance. PLOS ONE, 7(6), e39282. https://doi.org/10.1371/journal.pone.0039282
Mathauer, I., Schmidt, J. O., & Wenyaa, M. (2008). Extending social health insurance to the informal sector in Kenya: An assessment of factors affecting demand. International Journal of Health Planning and Management, 23(1), 51–68. https://doi.org/10.1002/hpm.914
Mugenda, O. M., & Mugenda, A. G. (1999). Research methods: Quantitative and qualitative approaches. Acts Press.
Mwinuka, B. (2024). Uptake of health insurance among informal sector workers in Dar es Salaam, Tanzania (Publication No. 2024) [Doctoral dissertation, Jomo Kenyatta University of Agriculture and Technology]. JKUAT Repository.
Mwiti, D. M., Mwiti, B., & Akatch, S. (2025). From barriers to solutions developing a participatory visual health communication framework for urban informal settlements. Africa Design Review Journal, 2(1), 42-51.
Okumu, M., Wanyonyi, L. S., & Wabuya, K. D. (2024). Uptake of health insurance by the informal sector workers at Kenyatta Market, Kibra Sub-County, Nairobi County, Kenya. Asian Journal of Social Sciences and Management Studies, 11(3), 59–68. https://doi.org/10.20448/ajssms.v11i3.5798
Republic of Kenya. (2023). Social Health Insurance Act, No. 16 of 2023. Government Printer.
Rosenstock, I. M. (1966). Why people use health services. Milbank Memorial Fund Quarterly, 44(3), 94–127.
Rosenstock, I. M., Strecher, V. J., & Becker, M. H. (1988). Social learning theory and the health belief model. Health Education Quarterly, 15(2), 175–183.
Saunders, M., Lewis, P., & Thornhill, A. (2019). Research methods for business students (8th ed.). Pearson.
Standard Media. (2026). Degrees no longer guarantee jobs for Kenya's youth. The Standard. https://www.standardmedia.co.ke/national/article/2001547731/degrees-no-longer-guarantee-jobs-for-kenyas-youth.
UN-Habitat. (2020). World cities report: The value of sustainable urbanization. United Nations Human Settlements Program.
United Nations. (2015). Transforming our world: The 2030 agenda for sustainable development. United Nations.
World Bank. (2021). Kenya economic update: Navigating the pandemic. World Bank.
World Health Organization. (2010). Health systems financing: The path to universal coverage. WHO.
World Health Organization. (2020). Universal health coverage: Moving together to build a healthier world. WHO.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2026 Grace Eshiwani Wabuko, Dr. Eunice Kijana, Dr. Margaret Mtange

This work is licensed under a Creative Commons Attribution 4.0 International License.
Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution (CC-BY) 4.0 License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.