Awareness and perception to ondo state contributory health insurance scheme among women in Ese-odo local government area
Abstract
This study was on Awareness & perception to ondo state contributory health insurance scheme among women in Ese-odo local government area. The total population for the study is 200 staff of selected insurance companies in Lagos state. The researcher used questionnaires as the instrument for the data collection. Descriptive Survey research design was adopted for this study. A total of 133 respondents made human resource managers, accountants, customer care officers and marketers were used for the study. The data collected were presented in tables and analyzed using simple percentages and frequencies.
Chapter one
Introduction
- Background of the study
Health services are judged to be unsatisfactory and inadequate in meeting the needs and demands of the public as reflected by the poor state of health of the population (FMOH, 1998). It is realistic to argue that some of the deaths and serious illnesses which occur among Nigerians are due to conditions which are easily preventable with simple remedies. Lack of timely and appropriate care often increases the risk of serious complications in the course of minor ailments (Irinoye, 2004). The current high rate of morbidity and mortality can be substantially reduced by a more rational application of available resources, even at the time of financial stringency (Irinoye, 2004).
Access to healthcare is severely limited in Nigeria. Inability of the consumers to pay for the services as well as healthcare provision that is far from equitable has been identified amongst other factors as responsible for this limitation. It is for these and other sundry reasons that Nigerians heaved a huge sigh of relief following the inauguration of the National Health Insurance Scheme (NHIS) in June 2005. The vision, mission and operational guidelines of the NHIS are geared towards the sustainable maintenance of the health of the Nigerian populace. A health insurance scheme has been defined as an arrangement in which contributions are made by or on behalf of individuals or groups.
According to the World Bank and World Health Organization (WHO), at least half of the world’s population still lacks access to essential health services. The 2018 World Health Statistics also revealed that the UHC service coverage index for Nigeria is 39%. Pre-payment mechanism has been advocated as the best option to ensure access to care based on need rather than ability to pay and protect households from associated financial risk. Based on this the researcher wants to investigate the Awareness & perception to on do state contributory health insurance scheme among women in Ese-odo local government area.
Statement of the problem
Despite the implementation of the National Health Insurance Scheme (NHIS) since 2005 in Nigeria, the level of health insurance coverage remains low. Therefore, there is a need to understand the factors responsible for the low level of enrolment in the NHIS. Results from these previous studies revealed that factors such as age, education, place of residence, region of residence, marital status, ethnicity, employment status, household wealth, gender, household size and exposure to media were predictors of enrolment in the NHIS. However, there is limited evidence on the predictors of enrolment in the NHIS among women in Nigeria using a nationally representative household survey. Evidence suggests that gender plays an important role in NHIS enrolment. Women face different health risk and difficulties in accessing healthcare services. They also bear a greater burden of disease and have limited access to resources.
Objective of the study
The objectives of the study are;
- To ascertain the awareness of women of Ese-odo local government area on health insurance scheme
- To ascertain the perception of women of Ese-odo local government area on health insurance scheme
- To ascertain the benefit of health insurance scheme to women of Ese-odo local government area
Research hypotheses
For the successful completion of the study, the following research hypotheses were formulated by the researcher;
H0: There is no awareness of women of Ese-odo local government area on health insurance scheme.
H1: There is awareness of women of Ese-odo local government area on health insurance scheme.
H02: There is no benefit of health insurance scheme to women of Ese-odo local government area.
H2: There is benefit of health insurance scheme to women of Ese-odo local government area
Significance of the study
The study will be very significant to students and the women in particular. The study will give a clear insight on the Awareness & perception to on do state contributory health insurance scheme among women in Ese-odo local government area. The study will also serve as a reference to other researcher that will embark on the related topic.
Scope and limitation of the study
The scope of the study covers Awareness & perception to on do state contributory health insurance scheme among women in Ese-odo local government area. The researcher encounters some constrain which limited the scope of the study;
- a) AVAILABILITY OF RESEARCH MATERIAL: The research material available to the researcher is insufficient, thereby limiting the study
- b) TIME: The time frame allocated to the study does not enhance wider coverage as the researcher has to combine other academic activities and examinations with the study.
DEFINITION OF TERMS
Awareness: concern about and well-informed interest in a particular situation or development
Perception: the ability to see, hear, or become aware of something through the senses
Health insurance scheme: insurance. a scheme that provides insurance. Many of these innovations became permanent features of a national social insurance scheme which relies heavily on state and employer contributions
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