Sudan Journal of Medical Sciences

Published date: May 28 2017

Journal Title: Sudan Journal of Medical Sciences

Issue title: Sudan JMS: Volume 12 (2017), Issue No. 1

Pages: 9 - 18

DOI: 10.18502/sjms.v12i1.854

Aderibigbe S. Adedejitayonov23@yahoo.com

Aganaba Doyin

Osagbemi G. Kayode

Aderibigbe A. Ayodele

Background: Health insurance is a social security system that guarantees the provision of needed health services to persons on the payment of token contributions at regular intervals. The objective of the survey was to determine knowledge, practice and willingness of households in Nigerian Capital City to pay and participate in Community Health Insurance Scheme.

Materials and Methods: This descriptive and analytical cross-sectional study was carried out using the multistage cluster sampling technique to obtain data from 300 selected household heads or main financial decision makers. The data was analyzed using EPI-INFO software package. Statistical significance of p < 0.05 and confidence limit of 95% was used.

Results: The major findings showed that the level of awareness (13%) concerning Community Health Insurance (CHI) was found to be very low among the respondents. The general principles of CHI were also poorly understood by the respondents. Attitude to the programme was positive as many showed interest in participating and enrolling themselves (97.0%), some family members (96.3%) and entire family members (90.3%).  Borrowing money to settle medical bills in this study has occurred in 30% of instances. Majority of respondents were willing to pay premiums ranging from N450 (96.6%) to N1200 (72.5%) for simple packages that do not include surgery and hospitalization.

Conclusions: The community members were willing to participate and enrol if the programme is brought to them. There is a need to adequately subsidize the premiums that respondents were willing to pay in order to meet up with the cost of treatment.

[1] T. Hodges, NNP Commission, and UNC Office, Childrens and womens rights in Nigeria: a wake-up call?: situation assessment and analysis, National Planning Commission, 2001.

[2] Consultative Group on Nigeria, Federal Government of Nigeria. Nigeria Economic Policy and Strategy: The Way Forward. 2000.

[3] V. Verbeek-Demiraydin, “African development indicators, 2000,” The World Bank,1999.

[4] D. K. Zschock, “General review of problems of medical care delivery under social security in developing countries,” International Social Security Review, vol. 35, no.1, pp. 3–16, 1982.

[5] F. Godlee, “The World Health Organisation: WHO at country level – a little impact, no strategy,” BMJ, vol. 309, no. 6969, pp. 1636–1639, 1994.

[6] C. Atim, F. Diop, J. Ette, D. Evrard, and P. Marcadent, The contribution of mutual health organizations to financing, delivery, and access in health care in ... | POPLINE.org. POPLINE. 2001. http://www.popline.org/node/531502 (accessed Jan 6, 2017).

[7] I. Ogunbekun, Health insurance: a viable approach to financing health care in Nigeria? John Snow Inc, Arlington, VA, 1996.

[8] H. Dong, B. Kouyate, J. Cairns, F. Mugisha, and R. Sauerborn, “Willingness-to-pay for community-based insurance in Burkina Faso,” Health Economics, vol. 12, no. 10, pp. 849–862, 2003.

[9] O. Onwujekwe, E. Okereke, C. Onoka, B. Uzochukwu, J. Kirigia, and A. Petu, “Willingness to pay for community-based health insurance in Nigeria: Do economic status and place of residence matter?” Health Policy and Planning, vol. 25, no. 2, pp. 155–161, 2010.

[10] JO Bamidele and WO Adebimpe, “Attitude and Willingness of Artisans in Osun State Southwestern Nigeria to Participate in Community Based Health Insurance,” J Community Med Prim Health Care, no. Participate, p. 24, 2012.

[11] M. Haile, S. Ololo, and B. Megersa, “Willingness to join community-based health insurance among rural households of Debub Bench District, Bench Maji Zone, Southwest Ethiopia,” BMC Public Health, vol. 14, no. 1, 2014, article no. 591.

[12] S. Ahmed, M. E. Hoque, A. R. Sarker et al., “Willingness-to-pay for communitybased health insurance among informal workers in urban bangladesh,” PLoS ONE, vol. 11, no. 2, Article ID e0148211, 2016.

[13] L. Manje, Client Satisfaction with Health Insurance in Uganda. 2007; published online Jan. http://www.microfinancegateway.org/library/client-satisfactionhealth-insurance-uganda.

[14] D. Angel-Urdinola and Q. Wodon, “Income Generation and Intra-Household Decision Making: A Gender Analysis for Nigeria,” in in. Gender Disparities in Africas Labor Market, illustrated. World Bank Publications, p. 420, 420, 2010.