THE INSTITUTE OF FINANCE MANAGEMENT

FACULTY OF INSURANCE AND SOCIAL PROTECTION

DEPARTMENT OF INSURANCE AND RISK MANAGEMENT

BACHELOR OF SCIENCE IN INSURANCE AND RISK

MANAGEMENT

YEAR THREE

ACADEMIC YEAR: 2021/2022

A REPORT ON PRACTICAL TRAINING CONDUCTED AT

NATIONAL HEALTH INSURANCE FUND (NHIF)-NJOMBE

CANDIDATE NAMES: JENIPHER E MHAGAMA

REG NO: IMC/BIR/1921505

SUBMISSION DATE: 26TH JANUARY, 2022

SUPERVISOR: MR. SIPHY

 AKNOWLEDGEMENT

I would like to thank God, for letting me through all the difficulties. I have experienced your

guidance day by day. Also I would like to thank my internal supervisors (Adam Kingo and

Hassan Abdularhman Lusewa) for their support given financially and also by providing

information and which are more essential in completing my field practical. I would like to

acknowledge and give my warmest thanks to my supervisor (Mr. Siphy) who made this work

possible. His guidance and advice carried me through all the stages of writing my field report.

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 EXECUTIVE SUMMARY
This field work was conducted at NATIONAL HEALTH INSURANCE FUND in Njombe
region, for the aim of transforming the theories that acquired in class into practical as applied
in insurance industry or in market. The field work report is divided into five chapters
whereby;

The first chapter comprises of the introductory part to the organization including the overview
of the assigned insurance, vision and mission, objectives and organization structure.

The second chapter comprises of the duties assigned to the students and its related lessons
leant for each activity.

Chapter three contains Literature Review

Chapter Four comprises of the analysis on the relationship between the theories acquired in
class into real practices, experience gained and challenges encountered during the field work.

Chapter five comprises of the conclusion drawn from the whole work and recommendations
addressed to the NATIONAL HEALTH INSURANCE FUND (NHIF) and the Institute of
Finance management.

During the field work I was assigned to perform various task such as attending to the
customers and receiving the membership forms of the member who applied for the service,
also I entered data of the members on the system (data entry) whereby I was able to use the
computer knowledge I got in class such as using spreadsheet but also preparing claims and
cropping but also printing the identity cards. During my field work I gained different
knowledge whereby I gained skills such as the computer skills whereby I was able to use the
computer and entering the data of members. But also gained awareness of things that I was not
aware about them such as the requirements and what is covered and which is not. Apart from
the knowledge gained there challenges or the limitation that I got during the field practical
which includes lack of good communication between the employees and the field student they
don’t give much time un training the field student

Finally the field report consist conclusion of what is done in the field practical’s on what is
learnt ,gained on the practical’s ,what are you missing from the field work and the
recommendation to the institute on the addition of the time in order to help the student gain
more knowledge and the recommendation to the organization.
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 LIST OF ABBREVIATIONS
AMCOS - Agricultural Marketing Cooperative Society

CHF - Community Health Fund

IIR - Inherent Impact Rating

IFM - Institute of Finance Management

ILR - Inherent Likelihood Rating

IRS - Inherent Rating Score

ISO - International Organization for Standardization

MOHSW - Ministry Of Health and Social Welfare

NHIF - National Health Insurance Fund

RM - Regional Manager

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 TABLE OF CONTENTS
AKNOWLEDGEMENT...............................................................................................................

EXECUTIVE SUMMARY..........................................................................................................

LIST OF ABBREVIATIONS......................................................................................................

CHAPTER ONE............................................................................................................................

INTRODUCTION..........................................................................................................................

1.1 Overview................................................................................................................................

1.2 Historical background............................................................................................................

1.3 Mission and vision of the industry.........................................................................................

1.4 Core values of the industry....................................................................................................

1.5 Core Functions of the Fund....................................................................................................

1.6 Review of the industry that the company works within........................................................

1.7 NHIF organization structure..................................................................................................

1.8 Organization functions and services......................................................................................

CHAPTER TWO...........................................................................................................................

WORKDONE AND LESSONS LEARNT...................................................................................

2.0 Introduction............................................................................................................................

2.1 Enrolment and registration of members.................................................................................

2.2 Verification of new members’ documents.............................................................................

2.3 Identities production............................................................................................................

2.4. Preparation of required documents for audit purpose...........................................................

2.5 Sorting paid claim benefit files to ensure proper recording and filing system......................

2.6 Provision of education to members........................................................................................

2.7 Managing retrieved cards.......................................................................................................

2.8 Challenges faced during the field trainings..........................................................................10

2.8.1 Lack of full trust from officers..........................................................................................10

2.8.2 Climatic condition.............................................................................................................10

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CHAPTER THREE.....................................................................................................................11

LITERATURE REVIEW...........................................................................................................11

3.0 Theoretical framework.........................................................................................................11

3.1 Definitions of Concepts.......................................................................................................12

3.2 Empirical literature review..................................................................................................14

CHAPTER FOUR........................................................................................................................17

ANALYSIS...................................................................................................................................17

4.0 Introduction..........................................................................................................................17

4.1 Relation of theories learnt in class with what is happening in the market...........................17

4.2 Description of skills learned and enhanced, review of how the experience has affected
career plans and ambition..........................................................................................................17

4.3. Skills that I current lack......................................................................................................19

4.4 Conclusion...........................................................................................................................19

CHAPTER FIVE.........................................................................................................................20

CONCLUSSION AND RECOMENDATION...........................................................................20

5.0 Introduction..........................................................................................................................20

5.1 Conclusion...........................................................................................................................20

5.2 Recommendations................................................................................................................21

REFFRENCES...............................................................................................................................22

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 CHAPTER ONE
INTRODUCTION

1.1 Overview
The field training was conducted at National Health Insurance Fund (NHIF), Njombe regional
office. Trainings attended for eight weeks from 16 August 2021 to 16 October 2021.
During the field works in different departments of the office include claim department,
compliance department, accountancy department and membership department; there are different
tasks that assigned to perform in the offices above which include the receiving of the customers
and other members like claimants. Through this it built more confidence in customer services,
receive the registration forms of the customers when they want to apply for the health insurance
services they have to fill the registration form which they will show their particulars and
occupation. So through this will help the fund to charge what premium relating to their
occupation or activities. Many activities in the insurance office use a computer system in its
operation. So the main way to do these activities in each department is to use a computer with a
special health insurance system called AMIS. Also in the printing of insurance cards and various
documents there are printers used as well as photocopy machines.

Throughout the field there are skills that I have developed including computer skills, teamwork
skills. Therefore field training is very important as it prepares the student to be a better and more
experienced employee in the future.

1.2 Historical background

According to (nhif.or.tz) The NHIF is a statutory social health insurance scheme established by
NHIF Act CAP 395 with the objective of facilitating access to health services to public services
employees, their dependents and other groups of members registered by the Fund from time to
time. During the initial implementation of the scheme, NHIF membership coverage was limited
to civil servants only. Later 2002 the NHIF was amended through Act no 25 to cover servants in
the public services. In addition the act was amended through Act. No 3 of 2009 to cover
councilors and retirees. On what was considered as the strategy toward universal coverage in
2009, the fund was mandate to coordinate Community Health Fund operations on behalf of

1
government. In 2010 through Act no. 2, the principal Act was further amended to extend
coverage of the police force, prisons, immigration, fire and rescue brigade. In advice by the
NHIF board of directors the minister responsible for health matters has the power to approve any
groups deemed appropriate through announcements in the Government Gazette.

1.3 Mission and vision of the industry

According to (Mabumbe, 2016), the followings are the mission, vision, core values of the
industry and core activities of the industry.

1.3.1 Mission

Dedicated to providing quality social health insurance to beneficiaries to access health care
services through a wide network of a credited health facilities.

1.3.2 Vision

To be a leading health insurance scheme of choice in sub-Saharan Region.

1.4 Core values of the industry

Members can confidently trust the impeccable integrity of the NHIF. In all the approaches and
behaviors the fund will inculcate the culture that reflects the following values:

•Integrity

•Accountability

•Innovativeness

•Courtesy

•Promptness

•Proactiveness

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1.5 Core Functions of the Fund
•Register employers and members

• Collect contributions

• Accredit and inspect health services facilities

•Invest surplus Fund

• Payment to accredited providers

•Conduct actuarial valuation in order to access sustainability of the fund

•Coordinate Community Health Fund (CHF) operations.

1.6 Review of the industry that the company works within.

According to (NHIF fact sheeThe national health insurance fund has shown a growth of the
health insurance industry. Whereby it has increased the customers (members) whereby now it has
a lot of members such as the employees of public and private sectors, retirees, students, children
under 18 years, farmers, members of organized socio-economic groups such as machinga and
boda-boda. But also it has grown on the products provides, the national health insurance fund has
increased whereby it has increased more services which leads to the increase of bundles such as
the private bundles NAJALI AFYA,WEKEZA AFYA and TIMIZA AFYA. The National Health
Insurance Fund cover has historically attracted some skepticism from both our partners in service
delivery, the health care providers and our members. This has been due to lack of understanding
of the Benefit Package which is a critical and key component in the implementation of the
Universal Health Cover.

The national health insurance fund in the operation it follows the regulation of the NHIF ACT of
1999 whereby it applies all rules and regulation on the registration and contribution but also on
the health care benefits. To recognize the diversity of NHIF membership, it is likely that
members with high incomes may require services which are more expensive than those covered

3
by this benefits package. The structure of the package shall allow such members to supplement
this package by either private insurance or direct co-payment.

4
1.7 NHIF organization structure
NHIF organizational structure defines how activities such as task allocation, coordination, and
supervision are directed toward the achievement of organizational aims. Organizational structure
affects organizational action and provides the foundation on which standard operating procedures
and routines rest.

Figure 1: Organization structure of National Health Insurance Fund

Source: 2013

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1.8 Organization functions and services.
According to (nhif.or.tz) The main objectives of NHIF is to help the members of the National
Health Insurance Fund on their health by providing them with medical bills and expenses but
also it facilitate security to the retirees on the health statuses
1.8.1 Services offered by NHIF

The National Health Insurance Fund do offer services to their customer or benefits they offer to
the beneficial which includes
 Dental and ophthalmologist services
 Inpatient care services
 Surgical services
 Medical and orthopedic appliances
 Rehabilitation services
1.8.2 Organization function.

During the field session, I learnt that the organization must have the functions. So, the following
function of NHIF.
To provide the medical equipment; the National Health Insurance Fund is to provide medical
equipment to its members such as medical bill which includes the lists assign by specific medical
doctors and written to the form 2A, 2B and 2C

To facilitate the development of health service

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 CHAPTER TWO
WORKDONE AND LESSONS LEARNT

2.0 Introduction
This chapter concern with all activities undertaken during the field time concerning with
registration of NHIF members of different categories and other activities. All activities were
done from different departments of the office.

2.1 Enrolment and registration of members.

In this activity I was assisting member officers on the whole issue of enrolling and registering
new members by providing them with special forms to fill out their information so that they can
determine if those members meet the criteria and conditions for joining health insurance. So the
members were given special forms to fill out their information. The main method that is used to
register members is a special system for capturing important member information after
performing a special registration to fill out health insurance forms.

Lesson learned;
I learned on how to enroll and resist NHIF new members and also all matters concerning about
membership especial criteria required for new members so as they can be able to join or be
registered as NHIF members.

2.2 Verification of new members’ documents.

After a member fills in his / her information on a special form he / she is required to attach some
documents that will be able to confirm the information he / she has filled in. So here I worked to
verify the documents such as birth certificate, national identity card, passport, driver's license or
voter ID to verify the information contained in the membership form. In verifying these member
documents there is a system used to verify these information for example the NIDA system to
verify national identity information. A special health insurance system called AMIS to verify
member contributions

7
Lessons learned;
Lesson learned here is how to verify member’s information before processing their forms, as
well as the importance of verifying those information and attachments. The process of verifying
these reports helps enroll members who meet the criteria to avoid inconveniences that may arise
after registering an unwanted member.

2.3 Identities production.

This task involves processing of membership forms and production of identity cards, packing and
distribution of health insurance cards. There is special printer for printing cards and packages
which used to store cards. This work is done on the certified forms only after the members are
issued insurance cards based on their information written on the form and then the forms are
sorted according to the districts of origin of the members to facilitate the distribution of cards and
then the cards begin to be distributed to members. This work involves process like lodging,
verification, data entry, scanning, cropping, print approval, printing, and issue cards to
customers.

Lesson learned;
Lessons learned here is how to follow all the steps of card processing without error. Tasks
provide a wide awareness that at these stages must to be very careful not to miss a single member
statement and also learn how to arrange the cards according to the district and distribute them as
well.

2.4. Preparation of required documents for audit purpose.

This was done in Accountancy department, therefore here reports are prepared that will be used
by auditors who come to check on the performance of the insurance office. Especially the
information related to accounting services so that auditors can be satisfied.

Lesson learned

Lessons learned here is that, it is important to keep all the information about accounting services
to be used as proof when auditors come and also how to prepare such information.

8
2.5 Sorting paid claim benefit files to ensure proper recording and filing
system.
So as to ensure the proper recording and filling system, there must be good arrangement of the
paid claim benefit file to make sure that they kept in a special order to make it easier for the
accountancy officer to record and stamp that the files had already been paid.

Lessons learned;

Good arrangement of files in a convenient way simplifies the task of stamping such files so it
will help you to record them properly in the filing system.

2.6 Provision of education to members.

In collaboration collaborated with membership officers as well as officers from other
departments in educating members about health insurance and its products provided by NHIF.
Example products of retires, Toto Afya and packages or bundles of NHIF and also about the
services available in the NHIF as well as the importance of having health insurance. We also
provided education on products available from the health insurance such as Retirees insurance
for children like Toto afya insurance and some of the NHIF packages such as Najari afya,
wekeza afya na timiza afya.

Lessons learned

Lessons here is how to explain insurance packages to clients so that the client can choose which
package will suit him / her as well as the importance of health insurance and explain to
customers. Many citizens are unaware of the importance of health insurance and do not have
enough education about health insurance so much emphasis should be placed on providing health
insurance education to the community.

2.7 Managing retrieved cards.

This task involves the management of all cards returned for various reasons such as the death of
a member, Retirement, card correction and card replacement. Therefore all cards returned for

9
such reasons must be recorded in a special format as required. There is special computer system
used to record those cards.

Lesson learned

How to record and store retrieved cards on a computer system so as to have the necessary
information on the cards and the reasons for the return and I also learned the importance of
recording and managing the cards.

2.8 Challenges faced during the field trainings.

There are some challenges that during the course of the field training came up with a little
difficulty. These challenges are those inside the office and outside the office as follows;

2.8.1 Lack of full trust from officers.

Over the course of the field it becomes increasingly difficult for supervisors and officers to
believe in the potential of field students thus failing to provide them with tasks that will enhance
their skills. The jobs offered are often the ones that are not the core activities of the industry
because they do not trust the field students to do the core activities well if they are well-directed
and well-managed. In this regard students find themselves not getting the full knowledge of their
field.

2.8.2 Climatic condition.

The climate of the southern highlands especially Njombe is very cold compared to the coastal
regions. So the difficulty arises especially for those of us who are used to the temperature of Dar
es salaam thus making the field a little harder.

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 CHAPTER THREE
LITERATURE REVIEW

3.0 Theoretical framework

In order to accomplish this study, several different theories were revised but two of them were

more appropriate to this topic.Social insurance theory was employedThe utilized theory states

that, ‘social health insurance schemes in developing country settings improve health outcomes

and reduce impoverishing effect of healthcare payments for the poorest people. (Richard 2004)

This framework guided a researcher on measuring parameters of what to cover in successful

accomplishing the study.

Also the researcher used the theory of Social Health Insurance. This theory develops the theory

of social health insurance also known as public health insurance. While a good deal is known

about the demand and supply of private insurance, the theoretical basis of social health insurance

is much more fragile. The Theory of Social Health Insurance examines questions including why

does social health insurance exist and even dominate private health insurance in developing

countries? What are the objectives and constraints of social health insurance managers? What is

the likely outcome or "performance" of social health insurance? The Theory of Social Health

Insurance reviews the conventional theory of demand for insurance and health insurance, the

supply of health insurance in general and social health insurance in particular, the properties of

the optimal health insurance contract, and whether there are factors limiting the growth of social

health insurance. (Zweifer P 2007). This theory is vital to this study since it presents the real

situation of Social Health Insurance in place especially in developing countries relatively to

Tanzania.The choice of these theories has guided a researcher to cover both areas required to

11
make this research vital to the community. Such covered areas are demand for health insurances

in Tanzania, quality for health services provided, scope of health insurances offered by NHIF and

the way forward to improve insurance services in the Country.

3.1 Definitions of Concepts

Before the term Service Quality is defined, a number of terms that relate to this study have to be

understood as defined bellow.

3.1.1 Service

This concept has been defined by many writers and researchers depending on the dimension

and perspective of the writer. (Kotler, 2001), defines service as any act or performance that one

part can offer to another that is essentially intangible and does not result in the ownership of

anything. Services are also defined as those separable identifiable, essentially intangible

activities which provide want-satisfaction and are tied to sale of product or another service (Berry,

1980). Services can generally be defined as intangible experiences that cannot be tested in

advance for quality or performance (Gronroos, 1990). For the sake of this study, service is

defined as a process consisting of a series of more or less intangible activities that normally, but

not necessary always, take place in interactions between the customer and service employees

and or physical resources or goods and or system of the service provider, which are provided

as a solution to customer problems.

3.1.2 Benefits Packages

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The NHIF provides a wide range of medical care benefits. The current benefit package offered by

NHIF includes; registration fees, fees related to basic diagnostic tests, outpatient services

which include medications as per National Essential Drug list (NEDLIT). Tn-patient care at

fixed rates per day per level of heath facility (i.e. Health Centre, District Hospital etc.), Surgeries

(Minor, Major and Specialized). The above benefits evolve around the need to cover members

suffering from frequently recurring diseases. The package is to be reviewed from time to time for

the purpose of enhancing it.

3.1.3 Insurance

In law and economics, insurance is a form of risk management primarily used to hedge against the

risk of a contingent, uncertain loss. Insurance is defined as the equitable transfer of the risk of a

loss, from one entity to another, in exchange for payment. An insurer is a company selling the

insurance; an insured or policyholder is the person or entity buying the insurance policy. The

insurance rate is a factor used to determine the amount to be charged for a certain amount of

insurance coverage, called the premium. Risk management, the practice of appraising and

controlling risk, has evolved as a discrete field of study and practice.

3.1.4 Health Insurance

Health insurance refers to a policy that will pay specified sums for medical expenses or treatments.

Health policies can offer many options and vary in their approaches to coverage. Two questions

small-business owners face when considering health insurance are "What kind of benefits should I

buy?" and "How much should I pay?" Regarding the first, buy the benefits that will protect you,

your employees and your families in case of emergency. Regarding the second, it depends on your

age (and your employees' ages), gender, and whether families will be considered. Choosing the

13
most suitable and cost-effective selection of medical benefits can be time consuming. A workforce

that's married with children will have considerably different needs, such as maternity and dental

coverage, than groups of single workers. People who work outdoors or workers who spend their

days at a computer may prefer an optical program for eye care, safety glasses and sunglasses

Randolph, (2007).

3.2 Empirical literature review

I Challenges facing NHIF in its operations as a health financing tool in Tanzania
General perception at early days (mainly negative): this isn’t something new in the sight of most
beneficiaries since you must need to be new in order to be old. Within this financing scheme, it is
always found too hard to first register and second to accept on terms and conditions pertaining to
be member. Until someone is extremely ill that he is required to spend more on their health care,
they will never adhere to what health insurance demands. It has been always seen as people’s
loop holes of fetching clients’ money. Some stakeholders are yet to fulfil their roles: insurance
schemes involve different kinds of stakeholders including service provision like hospitals, and
other health facilities, fund providers, development partners, and many others. All these
stakeholders have their specific roles to fulfil and stipulated tasks to be accomplished in attaining
high quality services in all places and areas of coverage throughout the country. Medicines
shortages: Absence of infrastructures for instance part one pharmacy in most parts of the
countries is now alarming. Stock out has been a major problem in health care servicing under this
financing scheme. Having a card isn’t a sufficient and necessary condition for acquiring quality
services in all NHIF designated hospitals all over the country. Clients are ever given referrals to
private pharmacies and medicines selling shops to purchase prescribed medicines. This has cast a
couple of complains to the scheme and has made people regret of joining the fund but no way out
they should be involuntarily enrolled.Emergence of fraudulent tendencies: corruption is now in
people’s finger tips. Everyone possessing an office despite being highly paid still fetches a lot of
money and directs it to corruptible activities, invalid schedules are now and then emerged in
offices which make them no longer trust worthy or even degrade the scheme.Furthermore, there

14
are numerous challenges still hindering smooth operations of NHIF scheme in Tanzania.
Problems related to the health system and infrastructure itself has negative impacts on the funds’
operations; limited scope of coverage; operating in un- regulated environment; low awareness by
the public on how these different schemes operate; preference on cash payments against cards;
absence of set basic package by Health and Social Welfare; non adherence by some health
service providers on the standards set by Ministry of Health and Social Welfare and the fraud to
mention but a few.

ii. National Health Insurance: A relatively wide reach, but limited to public workers, questions on
quality, demand-side indications
Health insurance single biggest insurance usage category
According to NHIF Director General speech in 2010, NHIF coverage in Tanzania is still low as
compared to other East African countries such as Rwanda 91%, and Kenya 21% (NHIF, 2010).
Only 5.6% of the adult population have health insurances, amounting to nearly 1.2 million
individuals in Tanzania by 2011. Though this was still only a small percentage of adults, it made
the health insurance the single biggest insurance category according to the number of users
(88.9% of those with insurance).
Health risks utmost in people’s minds
Health insurance is by far the best known and most desired but also the most criticized. The bulk
of the population regards health expenses as the biggest threat to their income which, to most
them, is the most uncertain and urgent cost facing it and that is paying for medical services.
Hougaard et al (2012) survey results show that the bulk of the population regards health expenses
as the biggest threat to their income. This is confirmed by the focus group research: respondents
indicated that the most frequent, and at the same time most uncertain and urgent cost facing
them, is paying for medical service.
Variety of coping mechanisms
Given the high cost and unexpected nature of illness and accidents, various financing
mechanisms are used to pay for healthcare. These include contributions from relatives, loans, the
sale of livestock and financial support from rotating savings schemes/merry- go-rounds and
VICOBAs.

15
Therefore, the sense of urgency people feel in getting money together for health care financing is
terrible through whatever means to cover healthcare expenses. Most strategies used include
asking for help from your relatives and close friends, another strategy is that in case one does not
have relatives or close friends to look to, selling valuable possessions becomes the last resort or
otherwise use that valuable item as collateral to borrow money from several sources, thus “You
have to help yourself” is the common say among non-insurers (Hougaard, et al., 2012).
Caters for civil servants
As per NHIF consultation (2012) the NHIF was set up in 2001 in recognition of the need to use
social insurance as a financing tool to achieve effective cross-subsidization towards the goal of
universal coverage. It was compulsory for public sector workers only, though there was a plan to
extend coverage to the full formally employed market and even the informally employed market
in future.Premiums are equal to 6% of a member’s salary 3% is deducted from a member’s salary
and remitted to the NHIF, and the remaining 3% is contributed by the member’s employer, i.e.
the government. Healthcare providers are remunerated on a fee for services basis and members
must be treated at one of the 5,500 accredited healthcare providers in the NHIF’s network in the
country through (Hougaard, et al, 2012).Despite inequalities in beneficiaries salaries or rather
monthly incomes, prons of NHIF have been merited, as Hougaard et al (2012) in their report on
the focus groups conducted some accredited NHIF as “It has benefits. Instead of using cash you
get the service without paying - they will deduct from your salary. For example I delivered my
first child in a private hospital and I didn’t pay anything, so the benefits are there” While other
groups discredited NHIF as “Let me say the majority has health insurance because we are forced
by the institution that we are working for because it is being deducted from our salaries. If it
were voluntary to sign up probably some of us wouldn’t be there, so it’s compulsory, you must
sign up.

16
 CHAPTER FOUR
ANALYSIS
4.0 Introduction
This chapter further explains the relationship between the theories I study in class with the health
insurance market in general. We will take a closer look at the shortcomings in the health
insurance market as well as its strengths. We will look at the skills I acquired throughout the
field and how they contribute to my student carrier .

4.1 Relation of theories learnt in class with what is happening in the market

The theories I read in class and the things I did in the field have relation especially in terms of
health insurance where people still need health insurance in order to get the best health care. So it
is important to continue education about health insurance so that they can go and serve the
community.

There is a close relationship between the theories in class and the praticals I did in my field work
for example in the theory of insurance and risk management we learnt on how the insurance
works for example in feature of insurance there is a law of large number where by the loss of few
is shared to many people in the health insurance it is applicable where by the people who are sick
are few where by the loss is covered by many.Also we learnt on the principle of management
where learnt on how the organization is operated where by it was applicable in the field work
where by there issue you can not go to the manager directly so you need to follow the organisatio
hierarchy.There some issue which we learn are applicable direct in the pratical work. It is
imperative that we get all the theoretical training in class as it guides us in the pratical study
when we are in the field and later on we apply in the work at the job time.

4.2 Description of skills learned and enhanced, review of how the experience
has affected career plans and ambition.
During the field at NHIF I got some skills which has direct relationship with the theory learnt
from classes. The followings are some of those skills were applied to the field area.

17
The communication skills
Throughout the field I was able to increase communication skills as more services were provided
after listening to the client carefully, answering questions that customers asked to provide
various feedback to customers. Most importantly I learned how to use friendly language when
welcoming and educating a client about health insurance services as well as providing good
customer service.
4.2.1Computer skills.
Many health insurance activities ranging from membership registration to the production of
insurance cards, claims management and accountancy use a computer system. So through these
activities I was able to increase my computer skills such as using excell , window,Microsoft
word as well as using a special health insurance system called AMIS. I managed to figure out
how to type various advertising publications as well as provide photocopies of various
documents.

4.2.2 Risk management skills.

I learned how to prevent risks from actually registering by doing some of the things as follows;

i. Increase customer’s responsiveness by reducing waiting time for service to an average

time of 1 hours

ii. The member’s details were checked/ corrected before verification and uploading to the
system of registration.

iii. We are ensured the member has only one NSSF No and we checked before registration to
start.

iv. We emphasized members who need to change their particulars should follow the
procedures especially who needs to change their names and employers details.
4.2.3 Team Work skills

Among other things that learnt how collaborate with other members in the office such as in
receiving the forms and verfing them but also we collaboreted in giving services to the
customers. workers were collaborating in all activities assigned to them by the management .

18
Working together on issue of educating majorities about health insurance and its importances as
also team working on issue concerning about preparation of audit reports.

4.2.4 Organizational Skills

The ability to use our time energy, resources, etc. in an effective way so that you achieve the
things you want to achieve. I learnt other useful values such as punctuality, confidentiality and
accountability, and how to behave as a real employee of NATIONAL HEALTH INSURANCE
FUND and offering services to employees authentic situation..

4.3. Skills that I current lack

4.3.1 Information arrangement;

Especially in the arrangement and sorting information in a way that will bring ideas to be well
understood .this is another skill that a student may be lacking if one comes a student work then
its clear most of their works are not arranged in a formalized manner ,the work might be good
but there would be no connection of thoughts in the work hence student lack this type of skill.

Confidentiality ;in most of the students keeping information you get to know with out telling
anyone ,many students do not know when to keep quite its really difficult for them .for example
in the health insurance their many information that are supposed to be secret but the field student
lack

Attention details; attention to details means the ability to archiece thoroughness and accuracy
when accomplish a task . this is extremely important because details matter,it helps in
preventing mistakes and makes everything easier ,many students lack this skill many student
have more attention to the less important information .

4.4 Conclusion
The aim of pratical training is to evaluate the significance and foster the learning of the student
practically by recalling the theory he has.Also the pratical training is important program because
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its exposes student to new challenges necessary in their career goals,Also it helps student to
understand various field other than that which they customed

CHAPTER FIVE
CONCLUSSION AND RECOMENDATION
5.0 Introduction
This chapter contains of the conclusion of the study in association with the recommendation
towards the institute of finance management and the recommendation to the organization that the
field work was conducted (NHIF).the recommendation are important to be made inorder to give
direct on what should be done to the institute or the organization .one should suggest on the
institute that the time of the field work should be increased inorder for the students to learn more
on the theories taught in class to do them practically.

But also the recommendation should be done to the national health insurance fund on how to
give priority to the students inorder for them to learn more but also there thing that are missing
are wrong inorder for the to keep emphasis on the issue inrder to meet there objective

5.1 Conclusion
Practical session is very important for graduates because it preparing competent graduates when
provide in good environment for students to see different types of skills, knowledge, information
and technique are used in the area of work by various organizations. It helps student to gain
valuable experience and confidence in undertaking functions of their professional carriers.
This field attachment has made me more improvement not only theoretically but also practically
by doing the duties and tasks assigned to me, whereby I had to do with aggressiveness and
creativeness so as to achieve what my supervisors expected both from the institute and at the
organization I worked with.
Conclusively during my field training practical I got to know many office practice that I did not
know before. I get experienced in the use of many electronic machines such as destroying the

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identity cards using machines and the management of filing systems. All in all many activities I
did were related to general duties performed within the office in the department of insurance..
The aim of conducting any academic practical is to transform the theoretical knowledge into the
practical in order to enable students to compete on the labor market. To this context students
have to be oriented in accordance with their courses. The main activities performed include daily
duties done in the office such as receiving membrship , arranging files according to their batch
number. , creating batch numbers.. In general the field work that I have done at NHIF made me
to be competent in practical matters compared to the theories that I acquired in the class at the
Institute of Finance Management.

5.2 Recommendations
This field aimed at contributing knowledge on activities conducted on the insurance
company .the report highlighted the task conducted, lesson learnt and the analysis therefore
consider the recommendation to IFM and NHIF.

5.2.1 Recommendation to the Institute of Finance Management (IFM)

The Institute should help the students in getting the places of conducting field pratical since their
very important beacauce they facilitate easy understanding

Computer studies; due to the ongoing advancements in information technology the institute need
more emphasis on computer study, the course must be structured in a way that students get more
practice than the current emphasis on theory. The computer knowledge provided in class is to
theoretically, and most of the student at the business department do not know /have much
knowledges with the computers . so IFM is recommended to put more efforts in computer
studies since the world of today is full of globalization

Latly the institute should continue with the pratical programs since the provide good
understanding ti students but also provides good training and preparing them for work.

5.2.2 Recommendation to national health insurance fund

The NATIONAL HEALTH INSURANCE FUND should introduce new teaching things to the
field students regarding to their professional so as to avoid repetition of work, Also the NHIF

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should introduce new way of treating the practical training students. This is changing the
students in different department where by this could increase the understandings of different
ideas and activities to be done by the student as assigned by the field supervisor.

Also the fund should provide works related to the student field of study so as he/she can
pratically relate what she/he studed in class.

But also the organization should provide more opportunities to the student to do practical training
in the organization; the organization should give out field placement to many students as they
can some misss this experience which is an important requirement to the students.

REFFRENCES
A guide to National Health Insurance Fund,(NHIF)

The national health insurance fund act no 8 of 1999

NHIF fact sheet march 2019

NHIF bronchures 2018

NHIF survey booklet

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Student logbook

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