I, Agnes A. Florent, declare that this dissertation is my own original work and that it has not been presented and will not be presented to any other university for a similar or any other degree award.Generally this study evaluated the NHIF loan program contributions among accredited loaned health facilities to the perceived improvement of quality health services in Morogoro Region, Tanzania. The sample size of the study was 200 respondents. The questionnaires were distributed to 150 facility clients to obtain quantitative data and interviews were conducted with 50 officials in the surveyed facilities. The findings revealed that the facilities that were given loans for equipment are Morogoro Referral Hospital, Mzinga Hospital and Mzumbe Health Centre. Morogoro Referral Hospital was given the loan for wheel chairs, oxygen concentrator, suction machine, forceps and a pair of scissors. Mzinga hospital was given loan for X – Ray machine where 70% was given by NHIF and the remaining 30% was provided by Mzinga Corporation. Mzumbe Health Centre was given the laboratory equipment named hematology machine, biochemistry analyzer and ultra – sound machine. The study found that the building for Turiani hospital was meant for infusion unit but it was not yet completed. It was also found that Morogoro referral hospital did not construct the new building but the available building was rehabilitated and modified for the insured patients. Further, the findings revealed the clients were satisfied with the improved facility infrastructures; OPD services, OPD service environment and improvement in laboratory services.Moreover, it was found by the study that majority of respondents had positive perceptions towards the quality of the health delivery. This made a conclusion that NHIF loan program contributed to the facility’ survival, competitive advantage and customer satisfaction.