ArticleJournal of multidisciplinary healthcare2026
Bridging the Healthcare Financing Gap: The Role of Financial Inclusion in Improving Access to Emergency Healthcare Financing in Saudi Arabia.
Article in Journal of multidisciplinary healthcare, 2026. The graph could read no effect estimate from its abstract, so it casts no vote on the map. Not yet cited in PubMed.
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Abstract
Background: Financing emergency healthcare remains a major challenge for households worldwide considering the issue of uncertain income levels and increasing healthcare costs. Financial limitations may result in delayed use of healthcare services. Saudi Vision 2030 emphasizes the need for enhancing financial inclusion alongside healthcare delivery. However, little research done on financial inclusion impacts on household access to emergency healthcare financing. Methodology: This study uses a panel dataset comprising 13 regions within Saudi Arabia spanning from 2015 to 2023 (117 observations). We use the fixed effects approach, system GMM model, and the panel ARDL model. Indicators of financial inclusion comprise formal finance, digital financial services, and savings indicators while controls are income stability and healthcare infrastructure. Findings: Financial inclusion increases household access to emergency healthcare financing both in short run and long run. Digital finance and savings are strong predictors of emergency healthcare finance capacity (FI=0.287, p<0.001). Income stability and healthcare infrastructure reinforce the effect of financial inclusion. The error correction measure indicates that convergence to equilibrium happens rapidly (-0.412, p<0.001). Conclusion: Improvement of financial inclusion via adoption of digital financial services and savings can enable households to deal with health emergencies effectively. Access to finance in combination with income stability and health infrastructure development is essential in ensuring that health financing is sustainable in Saudi Arabia. The above findings have significant policy recommendations concerning financial-sector reform and health system resilience in line with Vision 2030. Jel Classification: G21; I13; I18; O16; O53.
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