| Key informants | Exit Interviews | Total | ||
---|---|---|---|---|---|
 | National and district level | Scheme and Hospitals | Patients (Ishaka) | Patients (SHU) |  |
Members not deciding on the benefit package | 1 | - | 14 | - | 15 |
Lack of information and poor understanding of CHI scheme | 1 | 2 | 5 | 2 | 10 |
Incapability to raise the contributions (premium) | - | 2 | 4 | 3 | 9 |
Lack of accountability by the scheme managers | 5 | - | - | - | 5 |
Requirement of teaming up with other people | - | - | 2 | 2 | 4 |
Lack of trust in local financial systems | Â | 1 | 1 | 2 | 4 |
Lack of a policy frame-work for CHI | 4 | - | - | - | 4 |
Abolition of user-fees | 2 | - | - | - | 2 |
Communities used to free things | Â | 2 | - | - | 2 |