Effect of households’ members disability and serious illness on public health insurance subscription among urban refugees during the COVID-19 pandemic in Kenya

It was concluded that efforts to facilitate NHIF subscriptions among the refugees should be channelled among people with disability and serious illness. In addition, there is the need to promote refugees' welfare through employment that can induce formal savings and promote less reliance on informal borrowing. The operational mechanisms and differences in healthcare service distribution between the three cities should be considered along some salient interventions for health insurance subscription that are channelled through some CBOs.