The study examined the utilisation of facility-based maternal healthcare services under
the National Health Insurance Scheme. A cross sectional survey design was employed. Four
hundred women who had enrolled on the programme and had carried their pregnancies to
term were selected through a simple random sampling technique for the study. It was found
that women who had formal education up to secondary level and beyond were 7.5 times more
likely to utilise skilled delivery care services than their counterparts without formal education.
The perception of women about the quality of delivery services also played a paramount role
in complete ANC visits. Women who resided in communities where there were health centres
utilised delivery services more than those who resided in communities that had no health
centres. Rich women were 3.4 times more likely to utilise delivery services compared to the
poor. Finally, the decision of most women to utilise delivery services depended on the
approval of their husband. Husbands were instrumental in deciding whether their partners
receive delivery services while decision to access ANC was often jointly made. Based on the
findings the MoH should consider an extensive infrastructural development policy factoring
in elements of establishing more community health centres in the rural areas to facilitate
frequent utilisation of maternal healthcare services.