The Benefits Of Medical Insurance On Health Care Services In Nigeria.

The Benefits Of Medical Insurance On Health Care Services In Nigeria.

Chapter One

Preface

Background Of The Study

The donation of the health care sector to public development remains a critical concern. In Nigeria, health care services are supposed wrong and inadequate in addressing the conditions and solicitations of the people, as substantiated by the population’s poor health. According to Irinoye,( 2016), it’s reasonable to suggest that some of the losses and major conditions that do among Nigerians are caused by situations that may be readily avoided with easy results. In the course of mild conditions, a lack of early and acceptable care constantly raises the threat of significant consequences Indeed in times of fiscal constraint, the current high prevalence of illness and death may be significantly dropped by a more logical application of being coffers( Irinoye, 2015).

To respond to the situation, colorful reform programmes have been enforced, and the administration has stated its amenability to take over a bold system overhaul. The government has developed and executed a National Health Policy in an trouble to guarantee that all citizens achieve a condition of perfect physical, internal, and social well- being. The National Health Policy and Strategy for Health for All Nigerians was enforced in 1988 and amended in 2004. Care coffers, National Health Interventions and Services Delivery, National Health Information Systems, Partnership for Health Development, National Research, and Health Care Laws are the crucial policy thrusts of the National Health System.

Despite a well- structured health system, the growth of Primary Health Care( PHC) has not served the health of the people, particularly those living in pastoral regions. As a result, as part of the government’s trouble to break the sector’s challenges, the National Health Insurance Scheme( NHIS) was launched to address Nigeria’s health enterprises. The National Health Insurance Scheme( NHIS) is a commercial organisation formed by the Federal Government of Nigeria under Act 35 of 1999 to enhance the health of all Nigerians at an affordable cost. Health insurance is a strategy that prevents ensured individualities from incurring significant medical expenditures during a period of illness. A customer pays a regular payment to a operation institution as part of the introductory health insurance process. This organisation is in charge of depositing plutocrat into a fund and paying a healthcare provider for the cost of the consumer’s care( Conn and Walford, 1998). According to NHIS data from 2011, 5 of the population is enrolled in the plan( NHIS 2012b). The maturity of people included work for the civil and state governments and live in metropolises( Lawan, Iliyasu, and Daso 2016). still, further than 60 of Nigerians work in the informal sector and survive on lower than$ 1 a day in pastoral regions( as cited by UPI, 2012). They can not go excellent quality health care because they warrant sufficient fiscal means when faced with health difficulties therefore the need to resort to other private medical insurance.

Medical insurance is frequently meant to vastly give for the weal of citizens, particularly the least fortunate in society( Kutzin 2017). Out- of- fund( OOP) health finance remains substantial, counting for about95.3 of private health expenditure( PvtHE) in 2010( PvtHE as a proportion of Total Health Expenditure( THE) was62.1 in 2010), and has a disastrous effect on the poor. numerous Nigerians have failed as a result of their failure to satisfy this demand( Lawan 2017). In substance, this would give access to treatment while mollifying fiscal threat. The system has been in place since 2005, with the thing of reaching universal health content by 2015. Grounded on the foregoing, this study seeks to determine the impact of public health insurance on Nigeria’s senior occupants.

Statement Of The Problem

In recent times, Nigeria has a life expectation of52.3 times, which is lower than the African normal of56.05 times, and child and motherly mortality rates are intimidating. Despite the civil government’s attempts to enhance healthcare service, Nigeria’s health indicators have either stagnated or worsened during the last decade. As observed by Dika( 2019) every time, one million children under the age of five bones, the maturity from neonatal causes, malaria, and pneumonia. motherly mortality is 630 per 100,000 live births, similar to that of low- income nations similar as Lesotho and Cameroon. HIV infects an estimated3.3 million Nigerians due to limited access to forestallment, care, and treatment. Lawan 92017) posits thaat whereas utmost Nigerian don’t have occasion to enjoy public health insurance, utmost of them have resort to private medical insurance indeed as Nigeria is likewise dealing with the binary burden of transmissible and noninfectious ails.

Whereas the National Health Insurance Scheme( NHIS) medical insurance is an bid by the Nigerian civil government to offer universal health content( UHC) to its occupants, Dutta and Hongoro( 2018) asserts that private sector medical insurance has been more effective and ensures all people’ access to and operation of high- quality health- care services, as well as protection for all persons from any disastrous fiscal impact of illness. Gustafsson- Wright and Schellekens( 2018) asserts that medical insurance give both access to health services and fiscal security, similar as avoiding out- of- fund costs that limit service affordability and, immaculately, some payment for productivity loss due to sickness. Although there have been colorful studies on the benefits of medical insurance, lower emphasis has been made to its influence on health care services in Nigeria. Upon this background, the study seeks to examine the benefits of medical insurance on health care services in Nigeria.

Objects Of The Study

The overall end of this study is to critically examine the benefits of medical insurance on health care services in Nigeria. Hence, the study will be conducted to the following specific objects;

probe the position of mindfulness of health insurance scheme among Nigerians.

ii. Determine whether medical insurance scheme contribute to health- related weal of common Nigerians.

iii. Ascertain whether medical insurance scheme ameliorate the quality of live of aged Nigerians.

iv. Ascertain whether public health insurance scheme gives access to health services and fiscal protection to Nigerians.

Exploration Question

The study will be guided by the following questions;

What’s the position of mindfulness of health insurance scheme among Nigerians?

ii. Does public health insurance scheme contribute to health- related weal of aged Nigerians?

iii. Does public health insurance scheme ameliorate the quality of live of average Nigerians?

iv. Does public health insurance scheme give access to health services and fiscal protection to average Nigerians?

Significance Of The Study

The significance of this study is to punctuate the ineffectiveness of growing programs and services in Nigeria, with a view to championing changes in policy expression and perpetration of health programs and services so as to affect the senior population. presently, there are no overt programs and services for the senior in Nigeria because there has not yet been a policy for the care of seniors in Nigeria. This paper will as well make advocacy for the establishment of similar installations in order to better the lot of the senior population in Nigeria. also, posterior experimenters will use it as literature review. This means that, other scholars who may decide to conduct studies in this area will have the occasion to use this study as available literature that can be subordinated to critical review. Always, the result of the study contributes immensely to the body of academic knowledge with respects to the impact of National health insurance scheme on average citizens of Nigeria.

Compass Of The Study

This study is structured to generally examine the impact of National health insurance scheme on aged citizens of Nigeria. still, the study will further probe the position of mindfulness of medical insurance scheme among average Nigerians, determine whether public health insurance scheme contribute to health- related weal of average Nigerians, ascertain whether public health insurance scheme ameliorate the quality of live of average Nigerians, and ascertain whether public health insurance scheme gives access to health services and fiscal protection to average Nigerians. The study is still demarcated to named occupant of Ibadan Metropolis in Kwara State.

Limitation of the Study

During the process of carrying out this study, the experimenter was brazened with a number of obstacles, some of which were limitations pertaining to time and finances, as well as difficulties pertaining to language and the stations of the repliers. nonetheless, the experimenters were suitable to overcome these obstacles in order to guarantee the success of this disquisition.

In addition, the case study approach that was used in the exploration presented the investigator with a number of difficulties, similar as the chance of making incorrect judgments and being subject to prejudice. In malignancy of this, the investigator was successful in prostrating the difficulties by clinging to the broad principles of respect for processes, justice, fairness, equity in observation and recording, and the importing of substantiation.

NHIS National Health Insurance Scheme.

UHC Universal Health Coverage.

PHC Primary Health Care.