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Household Perceptions, Willingness to Pay, Benefit Package Preferences, Health System Readiness for National Health Insurance Scheme in Southern Nigeria

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Health 2016年第14期8卷 1630-1644页

作者： Ishola Babatunde Omotowo Uchechukwu Enuma Ezeoke Ikechukwu Emmanuel Obi Benjamin S. Chudi Uzochukwu chike chuka agunwa Christopher Bismarck Eke Chinedu Arthur Idoko Ancilla Kate Umeobieri Department of Community Medicine College of Medicine University of Nigeria Enugu Campus Enugu Nigeria Department of Paediatrics College of Medicine University of Nigeria Enugu Campus Enugu Nigeria

Introduction: Several Nigerians are completely denied access to adequate health care because of cultural, temporal and financial factors with inequity. Objectives: To ascertain the household perceptions, willingness to pay, benefit package preferences, and health systems readiness for Insurance Scheme. Methods: A cross-sectional study of 400 heads of households and 43 health workers in Enugu, Southern Nigeria. Results: Awareness of NHIS among the heads of household was 56.8%, while it was 86% among the health workers. Awareness of NHIS among heads of households was significantly associated to both educational level (X2 = 16.083, P = 0.001), and occupation (X2 = 5.694, P = 0.017). More males (61.6%) had correct perceptions of NHIS compared to females (58.6%), but not statistically significant (X2 = 0.336, P = 0.562). Majority of households respondents 89% are willing to pay for NHIS. Willingness to pay was significantly associated to occupation (X2 = 5.169, df = 1, P = 0.023), but willingness to pay mandatory 5% premium was not significantly associated to occupation (X2 = 0.884, P = 347). Only 11.6% of the health facilities are enlisted as providers in the scheme. Conclusion: Willingness to pay was high, but majority are not ready to pay 5% premium of their earnings. Awareness creation programmes should be improved for the public, and more health facilities enlisted for wider coverage.

关键词： Perceptions Willingness to Pay Health Insurance Nigeria

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