Background: Globally, about 150 million people experience catastrophic healthcare expenditure services annually. Among low and middle income countries, out-of-pocket expenditure pushes about 100 million people into poverty annually. In Botswana, 83 % of the general population and 58 % of employed individuals do not have medical aid coverage. Moreover, inequity allocation of financial resources between health services suggests marginalization of population-based health care services (i.e. diseases prevention and health promotion). The purpose of the study is to explore perspectives on employed individuals regarding financing population based health care interventions towards Universal Health Coverage (UHC) in order to make recommendations to the Ministry of Health on health financing options to cover population-based health services. Methods: A qualitative design grounded in interpretivist epistemology through social constructivism lens was critical for exploring perspectives of employed individuals. Through purposive and snowballing sampling techniques, a total of 15 respondents including 8 males and 7 females were recruited and interviewed using a semi-structured format. Their age ranged from 23 to 59 years with a median of 36 years. Data was analyzed using Thematic Content Analysis technique. Results: Use of social constructivism lens enabled to classify emerging themes into population coverage, health services coverage and financial protection issues. Despite broad understanding of health coverage schemes among participants, knowledge appears insignificant in increasing enrolment. Participants indicated limited understanding of UHC concepts, however showed willingness to embrace UHC upon brief description. Main thematic issues raised include: exclusion of population-based health services from coverage scheme; disparity in financial protection and health services coverage among enrollees; inability to sustain contracted employees; and systematic exclusion of unemployed individuals and informal sector employees. Conclusion: Increasing enrolment in health coverage schemes requires targeted campaign for information dissemination through use of myriads mass media including: social networks, TV, Radio and others. Moreover, re-designing health insurance schemes is critical in order to include population-based interventions; expand uptake of unemployed and informal sector employees; flexibility in monthly premiums payment plan and use of technology to increase access to payment points. Further study need to evaluate the content of health financing policy in Botswana measured against the World Health Organization Universal Health Coverage conceptual requirements for Low and Middle Income Countries.
Botswana is a land-locked country located in the Southern Africa region. It has an estimated population of 2,021,000 and GDP is US$ 14.79 per capita [41]. Life expectancy is estimated at 54.4 years; infant and under-five mortality rates are 54/1000 and 76/1000 live birth respectively; and maternal mortality ratio is 193/100,000 live births [42]. Botswana spends 17.7 % of annual budget for health services [43] which is above Abuja target of 15 % for African countries [44]. Health care expenditure in Botswana are highly subsidized and financed through government taxes (68 %); health insurance schemes (21 %); donors (12 %) and out-of-pocket expenditure (4.2 %) [45]. Nevertheless low out-of-pocket spending for health in Botswana at 4.2 % [45] suggests high risk of Catastrophic Health Expenditure amongst poor population group [46], thus illustrates gaps in the country’s health financing policy towards achieving UHC goals stipulated in the WHO three-dimensional cube. Alarming prevalence rates of HIV/AIDS at 21.9 % among adults aged 15 to 49 years [47]; high TB prevalence rates estimated at ≥ 300 cases per 100,000 populations [48]; increasing risk and prevalence of non-communicable diseases [49]; and advancing medical technology [50] collectively exerts enormous pressure on fiscal sustainability for UHC agenda in Botswana. Although about 84 % of the entire population in Botswana access health care within 5 km radius [51] thus suggests existence of the infrastructure for advancing UHC conceptual goals, only 17 % of the general population and 42 % of employed individuals have health insurance coverage [52]. Limited health insurance coverage among general population and employed individuals raises concerns on the design of health insurance scheme particularly with regards to efforts towards achieving UHC conceptual framework goals [13]. Most intriguing is the evident inequity of financial resources allocation between curative services and cost-effective public health interventions. For instance, during 2007/08 and 2009/10 fiscal years, hospital curative services were allocated 53 % of Total Health Expenditure (THE) whereas population-based services received only 9 % of THE [45]. Inequity in financial allocation deters efforts towards expanding health services coverage particularly expanding cost-containing strategies population-based health services geared towards disease prevention and health promotion interventions [53]. Inequity in financial allocation between curative and population-based health services further derails initiatives to tackle Social Determinants of Health [10, 11]. Globally to the best of researcher’s knowledge, there is no published study that explored population perspectives regarding financing population-based interventions through health coverage schemes in order to advance UHC goals. Despite most studies utilizing WHO Universal Health Coverage conceptual framework [13] to identify measurable indicators for UHC concepts [12], to the best of researcher’s knowledge there is no published study of similar nature conducted in Botswana. Most published studies on health coverage schemes investigated understanding and perspectives on financing curative intervention through health coverage schemes [30–36]. Nevertheless there is no study of similar nature which has been conducted in Botswana despite available indicators showing low enrollment in health coverage schemes [52]. Further to that, among Sub-Saharan Africa countries Botswana presents an exceptional commitment and surpassed Abuja declaration target of 15 % on healthcare spending for Africans countries by spending 17.7 % of Total Health Expenditure [43, 44]. However, only Ghana and Rwanda have developed financing system that advances the three-dimensional UHC conceptual goals by allocating 12.5 [15] and 16 % [16] respectively. Therefore literature is limited in explaining why and how Botswana does not have a health financing system that advances UHC goals as defined by the WHO three-dimensional conceptual framework. Therefore this study is set to fill the knowledge gap on health financing literature in Botswana by exploring perspectives of employed individuals on financing population-based interventions—i.e. health promotion and diseases prevention interventions—as the country gears-up towards achieving Universal Health Coverage goals.