**3. Health insurance coverage- pathway of achieving universal health coverage**

Universal health coverage has being achieved in most countries through some of initiation by their government health financing reforms. These were achieved in many countries by adopting social health insurance scheme [4].

The World Health Report 2010 presents a cube in **Figure 1** above to help policy makers think about the potential trade-offs in benefit design for UHC with the following three dimensions:


For effective coverage, the depth axis on which benefit are covered (service coverage) must be defined in terms of needed and effective services of good quality. The height axis on cost should reflect relative ability pay in order to assess affordability of care. The breadth axis who is insured, ensure that the needs of the poorest and most vulnerable are effectively covered first and at affordable cost.
