“…family size [31,36], and residence [35]; health service related factors such as service quality [36, 39], con dence and friendliness with healthcare providers [31,35,40], waiting time [31,33,34,37], laboratory services [31, 36-38, 41, 42], availability of medicines [31, 33-36, 38, 40], immediate care [40,41], referral service [33,34,41], and distance of health facilities [35]; the scheme's related factors like regulation [40], affordability of premium [34,41], o ce opening time [41], agreement with bene t packages [31] and time interval to use them [41], enrolment situation [41], and length of enrolment [42]; and knowledge [31,35,38,42] Results of synthesis…”