Moderation effects of co-operative institutions’ capabilities on the relationship between health insurance literacy and participation in health insurance among co-operative members in Tanzania

The rationality of the decision to use health insurance depends on individuals' level literacy (HIL). HIL facilitates information-seeking behaviour among individuals and helps providers intermediaries offer clients timely suitable insurance. This study adopted institutional theory organisations as theoretical lens analyse relationship between participation in amongst members co-operatives. also assessed moderation effect co-operative institutions' capabilities members. Using sample 480 members, partial least squares structural equation modelling was used test for direct influence Ushirika Afya role this relationship. Findings indicate that is a significant factor influencing insurance, particularly Afya. On effect, link strong when high. It weakens low. For sustainable it crucial formulate awareness programmes continuous training increase HIL. Moreover, build capabilities, there need initiatives such aspects management various dimensions relating operations.