Health Insurance And Its Impact On The Accessibility Of Health Care Services

Health Insurance And Its Impact On The Accessibility Of Health Care Services

Chapter One

Preface

Background of the study

further than sixty developing nations have formerly begun the process of establishing National Health Insurance( NHI) schemes. The National Health Insurance Fund of Tanzania was formed in 2001, while the National Health Insurance Act of Ghana was announced in 2003. Both of these programmes are located in Africa. In southeast Asia, in the time 2000, the Cambodian Health Equity Fund came a airman programme. In this programme, the maturity of the fiscal coffers were supplied by benefactors in order to compensate for the medical charges incurred by impoverished individualities. Following the global profitable extremity that began in 1997, the government of Indonesia launched a programme that’s funded by levies and is aimed at helping the poor. Under this programme, health care professionals are compensated on a base that takes into account the case’s overall condition. PhilHealth, the Philippine Health Insurance Business, was established in 1995 with the purpose of establishing universal health care in the Philippines. PhilHealth is a government- possessed and- controlled pot that’s pure from paying levies.

In low- income nations, health insurance programmes are getting an decreasingly conceded element as a strategy for financing the provision of health care( WHO 2016). It has been argued that social health insurance may be suitable to ameliorate access to health care that’s of an respectable quality. This is because there’s a high idle demand from people for health care services that are of a good quality, and there’s an extreme under- application of health services in several countries. numerous authors( similar as Gilson 2017) have set up fault with indispensable styles of backing health care and cost recovery strategies similar as stoner freights. On the other hand, the option of insurance seems to be a promising volition because it provides the occasion to pool pitfalls, thereby transferring changeable health care costs to fixed decorations( Griffin 2019). On the other hand, there’s some substantiation to suggest that neither rigorously statutory social health insurance nor marketable insurance systems on their own can vastly contribute to adding content rates and, as a result, access to health care. According to Jütting( 2018), exorbitantly high unit sale costs of contracts are generally the cause of both state and request failure. This is especially true in the environment of pastoral and distant surroundings. lately,non-profit, collective, community- grounded health insurance schemes have surfaced, primarily inSub-Saharan Africa but also in a variety of other countries( Bennett etal. 2018, Jakab & Krishnan 2017). These schemes are grounded on the principles of support and collective aid. These plans are distinguished by their commitment to one another’s well- being, their sense of community, and their pooling of medical hazards as a group( Atim 2018). These kinds of programmes are run in cooperation with health care interpreters in a number of different nations.

Because of the frequence of freights or health service charges, as well as the high transportation costs encountered by people who have to travel long distances for treatment, the cost of carrying and penetrating proper medical care is fairly advanced in developing countries when compared to richer and further advanced countries. This is due to the fact that people in developing countries have to travel further to admit treatment, which can include both medical andnon-medical charges.

Statement of the Problem

Poor families’ limited access to shy situations of quality healthcare is recognised as a significant problem in both nations with low inflows and those with moderate inflows. These nations have recognised and brought attention to the availability gap that presently exists, and now the governments of those nations need to establish effective styles to promote equity. It’s estimated that there are1.3 billion individualities in the globe who don’t have access to healthcare that’s both affordable and sufficient for their requirements. There are around 170 million people who have been put in a position where they’re impelled to spend further than forty percent of their family income on medical treatment, which puts them in a position where they’re at threat of fiscal ruin. The term” fiscal catastrophe” refers to the circumstance in which cases are needed to pay for their health care, either in the form of a deductible orco-pay, and the quantum of plutocrat spent on health care is lesser than or equal to forty percent of the ménage’s income that isn’t needed for subsistence.

Objects of the Study

The main end of this study is to examine health insurance and its impact on the availability of health care services. Other points of this study are

To examine the extent health insurance is carried out in health care services in Nigeria.

ii. To find out the factors that impact health insurance in Nigeria.

iii. To find out whether health insurance improves the quality of health care services in Nigeria.

iv. To find out the challenges of health insurance in Nigeria.

Exploration Questions

The following exploration questions will be answered in this study

To what extent is health insurance carried out in health care services in Nigeria?

ii. What are the factors that impact health insurance in Nigeria?

iii. Does health insurance improves the quality of health care services in Nigeria?

iv. What are the challenges of health insurance in Nigeria?

Significance of the Study

This study will be salutary to the medical and insurance sector as the findings of this study will reveal the significance of health insurance, the factors impacting health insurance and its impact on the the quality of health care services in Nigeria.

Eventually, this study will serve as an empirical study for farther studies and unborn reference.

Compass of the Study

This study focuses on health insurance and its impact on the availability of health care services. Specifically, this study examines the extent health insurance is carried out in health care services in Nigeria, finds out the factors that impact health insurance in Nigeria, finds out whether health insurance improves the quality of health care services in Nigeria and find out the challenges of health insurance in Nigeria.

Limitations of the Study

In the course of carrying out this study, the experimenter endured some constraints, which included time constraints, fiscal constraints, language walls, and the station of the repliers. still, the experimenter were suitable to manage these just to insure the success of this study.

also, the case study system employed in the study posed some challenges to the investigator including the possibility of impulses and poor judgment of issues. still, the investigator reckoned on respect for the general principles of procedures, justice, fairness, neutrality in observation and recording, and importing of substantiation to overcome the challenges.

Description of Terms

Health Insurance Health insurance or medical insurance is a type of insurance that covers the whole or a part of the threat of a person incurring medical charges. As with other types of insurance, threat is participated among numerous individualities.