**5.2 Sex**

Sex defines the biological variances between women and men, and these variances are universal and determined at birth. Access to reliable healthcare financing is also influenced by a person's biological composition especially in African setting where patriarchy system dominates. In Africa, men often demonstrate hegemony in virtually all spheres of life including economy, family and religion. By virtue of men's hegemonic position, they have more control over financial resources and this in turn affords them the opportunity to have more access to reliable healthcare financing. According to Mensah (2014), the long-standing patriarchy system on the continent of Africa influences access to healthcare and medicine in favour of males [10]. In addition, some scholars consider women to be in direr need for access to reliable healthcare financing than men considering their healthcare needs as pregnant women, new mothers and widows [7, 27].
