Extending health insurance coverage to the informal sector: Lessons from a private micro health insurance scheme in Lagos, Nigeria

2018 ◽  
Vol 33 (3) ◽  
pp. 662-676 ◽  
Author(s):  
Lauren Peterson ◽  
Alison Comfort ◽  
Laurel Hatt ◽  
Thierry van Bastelaer
Keyword(s):  
Health Insurance ◽  
Informal Sector ◽  
Insurance Coverage ◽  
Health Insurance Coverage ◽  
Health Insurance Scheme ◽  
Insurance Scheme ◽  
Micro Health Insurance

PARTICIPATING IN HEALTH INSURANCE AND FACTORS AFFECTING AMONG PERSONS WHOSE ENROLMENT IS VOLUNTARY IN THUA THIEN HUE PROVINCE

2015 ◽  
pp. 89-95
Author(s):  
Thi Hoai Thuong Nguyen ◽  
Hoang Lan Nguyen ◽  
Mau Duyen Nguyen
Keyword(s):  
Health Insurance ◽  
Insurance Coverage ◽  
Health Insurance Coverage ◽  
Health Insurance Scheme ◽  
Insurance Scheme ◽  
Cross Sectional ◽  
Factors Affecting ◽  
The People ◽  
Universal Health Insurance Coverage ◽  
The Social

Background:To provide information helps building policy that meets the practical situation and needs of the people with the aim at achieving the goal of universal health insurance coverage, we conducted this study with two objectives (1) To determine the rate of participating health insurance among persons whose enrolment is voluntary in some districts of ThuaThien Hue province; (2) To investigate factor affecting their participation in health insurance. Materials and Methodology:A cross-sectional descriptive study was conducted in three districts / towns / city of ThuaThien Hue in 2014. 480 subjects in the voluntary participation group who were randomly selected from the study settings were directly interviewed to collect information on the social, economic, health insurance participation and knowledge of health insurance. Test χ2 was used to identify factors related to the participation in health insurance of the study subjects. Results:42.5% of respondents were covered by health insurance scheme. Factors related to their participation were the resident location (p = 0.042); gender (p = 0.004), age (p <0.001), chronic disease (p <0.001), economic conditions (p<0.001) and knowledge about health insurance (p <0.001). Conclusion: The rate of participating health insurance among study subjects was low at 42,5%. There was "adverse selection" in health insurance scheme among voluntary participating persons. Providing knowledge about health insurance should be one of solutions to improve effectively these problems. Key words: Health insurance, voluntary, Thua Thien Hue

scholarly journals Health insurance coverage, type of payment for health insurance, and reasons for not being insured under the National Health Insurance Scheme in Ghana

2019 ◽  
Vol 9 (1) ◽  
Author(s):  
Martin Amogre Ayanore ◽  
Milena Pavlova ◽  
Nuworza Kugbey ◽  
Adam Fusheini ◽  
John Tetteh ◽  
...  
Keyword(s):  
Health Insurance ◽  
National Health Insurance ◽  
National Health ◽  
National Health Insurance Scheme ◽  
Insurance Coverage ◽  
Health Insurance Coverage ◽  
Health Insurance Scheme ◽  
Insurance Scheme ◽  
Wealth Status ◽  
Middle Income

Abstract Background Ghana’s National Health Insurance Scheme has improved access to care, although equity and sustainability issues remain. This study examined health insurance coverage, type of payment for health insurance and reasons for being uninsured under the National Health Insurance Scheme in Ghana. Methods The 2014 Ghana Demographic Health Survey datasets with information for 9396 women and 3855 men were analyzed. The study employed cross-sectional national representative data. The frequency distribution of socio-demographics and health insurance coverage differentials among men and women is first presented. Further statistical analysis applies a two-stage probit Hackman selection model to determine socio-demographic factors associated with type of payment for insurance and reasons for not insured among men and women under the National Health insurance Scheme in Ghana. The selection equation in the Hackman selection model also shows the association between insurance status and socio-demographic factors. Results About 66.0% of women and 52.6% of men were covered by health insurance. Wealth status determined insurance status, with poorest, poorer and middle-income groups being less likely to pay themselves for insurance. Women never in union and widowed women were less likely to be covered relative to married women although this group was more likely to pay NHIS premiums themselves. Wealth status (poorest, poorer and middle-income) was associated with non-affordability as a reason for being not insured. Geographic disparities were also found. Rural men and nulliparous women were also more likely to mention no need of insurance as a reason of being uninsured. Conclusion Tailored policies to reduce delays in membership enrolment, improve positive perceptions and awareness of National Health Insurance Scheme in reducing catastrophic spending and addressing financial barriers for enrolment among some groups can be positive precursors to improve trust and enrolments and address broad equity concerns regarding the National Health Insurance Scheme.

scholarly journals The influence of health insurance enrolment on maternal and childcare use in Nigeria

2021 ◽  
Vol 3 (1) ◽  
pp. 82-90
Author(s):  
Rolle Remi Ahuru ◽  
◽  
Osaze Daniel ◽  
Henry Akpojubaro Efegbere ◽  
◽  
...  
Keyword(s):  
Health Insurance ◽  
Rural Women ◽  
Insurance Coverage ◽  
Health Insurance Coverage ◽  
Health Insurance Scheme ◽  
Insurance Scheme ◽  
Child Immunization ◽  
Care Services ◽  
Significant Difference ◽  
The Cost

Purpose Health insurance reduces the cost of using modern maternal and child cares and encourages women to use modern care services. This is because health insurance scheme spread the burden of maternal care usage across people and overtime. In Nigeria, there is a dearth of research evidence on the effect of health insurance enrolment on maternal and childcare use. This study examined the effect of health insurance coverage on maternal and childcare use in Nigeria, drawing upon data from the most recent National Demographic and Health Survey (2018). Methods Three outcome indicators were used: a minimum of four antenatal care (ANC) visits, place of delivery, and complete child immunization. Descriptive and predictive analytical methods were utilized. A representative sample of 33,715 women who reported recent birth within the last five years preceding the Survey was used for the analyses. Analyses were undertaken using STATA version 13.0 for windows. Results The results showed that 57% of the women made a minimum of four ANC visits, 41% delivered in health institutions, and 27% undertook complete child immunization. Enrolment in health insurance was low as only 2.3% of the women were under any form of health insurance coverage. However, enrolment in health insurance significantly improves the odds for a minimum of four ANC visits [aOR: 1.52, p = 0.00] and health facility delivery [aOR: 1.42, p = 0.00]. However, there is no significant difference in complete child immunization between women who were under health insurance and those who were not [aOR: 1.36, p = 0.28]. Also, residing in an urban area, Southern geopolitical zones, and being drawn from wealthy homes confer an advantage on women to use modern maternal and child healthcare. Conclusion Pragmatic interventions should be initiated to encourage women’s enrolment in health insurance in Nigeria. Community-based health insurance scheme should be encouraged among rural women and those of them in the informal sector.

scholarly journals Socioeconomic and programmatic determinants of renewal of membership in a voluntary micro health insurance scheme: evidence from Chakaria, Bangladesh

2017 ◽  
Vol 10 (1) ◽  
pp. 1287398 ◽  
Author(s):  
Mohammad Iqbal ◽  
Asiful Haidar Chowdhury ◽  
Shehrin Shaila Mahmood ◽  
Mohammad Nahid Mia ◽  
S. M. A. Hanifi ◽  
...  
Keyword(s):  
Health Insurance ◽  
Health Insurance Scheme ◽  
Insurance Scheme ◽  
Micro Health Insurance

Role of NGOs in Promoting Micro Health Insurance: A Study with Reference to ‘Sampoorna Suraksha’ Health Insurance Scheme by SKDRDP, Mangalore (India)

2015 ◽  
Vol 4 (2) ◽  
pp. 251-261 ◽  
Author(s):  
Vishal Pinto
Keyword(s):  
Health Insurance ◽  
Health Insurance Scheme ◽  
Poor People ◽  
Insurance Scheme ◽  
Micro Health Insurance ◽  
Insurance Sector ◽  
Rural Development Programme ◽  
The Poor ◽  
Hospitalization Costs

The insurance sector has penetrated towards many of the high-income individuals and families but was unable to reach to those poor who do not have the capacity to purchase these insurance products. Thus, it is has created a huge gap between the rich and the poor. Micro health insurance is a new phenomenon in the Indian insurance sector which is specifically designed for the poor. This insurance programme is very essential for the individuals to protect them from various uncertainties and risk. The insurance is normally a product designed for the convenience of the middle- and higher-income groups of people. The lower segments of the people are alienated from taking the insurance policies as the prices of the policies are too high and unaffordable for them. Microfinancial institutions and non-governmental organizations (NGOs) that work with urban and rural poor felt the need for the security of these people. Thus, many such institutions have come forward to offer insurance facilities to the poor. They have kept policy prices low and the premium was priced according to their level of income. The Shri Kshetra Dharmasthala Rural Development Programme (SKDRDP) is one such institution which has focused on medical and hospitalization costs of the poor people. Accordingly, they designed a favourable micro health insurance product named as ‘Sampoorna Suraksha’ health insurance scheme. The scheme was introduced in the year 2004 and has witnessed tremendous progress over the years. In this article, we have analyzed the concept of micro-insurance, its development in India, its delivery models etc. We have also evaluated the ‘Sampoorna Suraksha’ scheme of SKDRDP and the progress of the insurance scheme in terms of enrolment, claim settlement, premium collection etc. The main objective of this article is to analyze the role of NGOs towards micro health insurance. In order to make an appropriate study, we have used exploratory and descriptive research methodology by taking the SKDRDP as a unit of the case study.

scholarly journals Towards Universal Health Coverage: An Analysis of the Health Insurance Coverage in Nigeria

2021 ◽  
Vol In Press (In Press) ◽  
Author(s):  
Yusuff Olanrewaju Azeez ◽  
Yusuf Olalekan Babatunde ◽  
Damilola Babatunde ◽  
Joseph Olasupo ◽  
Elizabeth Alabi ◽  
...  
Keyword(s):  
Health Insurance ◽  
Health Services ◽  
National Health Insurance ◽  
Informal Sector ◽  
Universal Health Coverage ◽  
National Health Insurance Scheme ◽  
Health Insurance Scheme ◽  
Health Coverage ◽  
Insurance Scheme ◽  
Universal Health

Context: Achieving universal health coverage requires a Health Insurance Scheme that minimizes out-of-pocket expenditure, guarantees the provision of essential health services, and covers majority of the population. This study examines the NHIS, it's success, failures, efforts so far towards achieving UHC and overall, examines if Nigeria is progressing towards the achievement of universal health coverage. Evidence Acquisition: We conducted a narrative review of published articles on National Health Insurance Scheme (NHIS) coverage in Nigeria. Pubmed and Google Scholar were searched with the following keywords: National Health Insurance Scheme (NHIS), Success, Failure, Universal Health Coverage (UHC). Results: NHIS has failed in its inclusiveness and covers only about 5% of the general population, mainly from the formal sector while most from the informal sector are excluded. Certain factors such as the inadequate legal framework for a successful scheme, optional enrollment policy, poor funding and lack of political will are responsible for the failure of the NHIS. Conclusions: Revising the NHIS to cover all segments of the society including remote areas and ensuring the insured have access to health services at all hospitals and health centers across the country is essential in attaining the third sustainable development goal in Nigeria. Also, there is need for intensify public awareness programs to enlighten the people and relevant groups on the positive values of the scheme. The attributes of the scheme should be well publicized in a way that both the formal and informal sector would understand clearly. This might involve the use of all local languages spoken in different parts of the country.

scholarly journals Identifying the determinants of health insurance coverage among Peruvian women of reproductive age: an assessment based on the national Peruvian demographic survey of 2017

2020 ◽  
Author(s):  
Eduardo Ramos Rosas ◽  
Volker Winkler ◽  
Stephan Brenner ◽  
Manuela De Allegri
Keyword(s):  
Health Insurance ◽  
Rural Areas ◽  
Multinomial Logistic Regression ◽  
Insurance Coverage ◽  
Universal Coverage ◽  
Health Insurance Coverage ◽  
Reproductive Age ◽  
Health Coverage ◽  
Insurance Scheme ◽  
Coverage Rates

Abstract Background: Like many other Latin America- and Caribbean countries, Peru has introduced a tax-financed health insurance scheme called “Sistema Integral de Salud (SIS)” to foster progress towards Universal Health Coverage. The scheme explicitly targets the poorest sections of the population. Our study explores levels of health insurance coverage and their determinants among Peruvian women following the introduction of SIS. We wish to determine the extent to which the introduction of SIS has effectively closed gaps in insurance coverage and for whom. Methods: Relying on the 2017 round of ENDES (Encuesta Nacional Demográfica y de Salud Familiar) survey, we analyzed data for 33168 women aged 15-49. We used multinomial logistic regression to explore the association between health insurance coverage (defined as No Insurance, SIS, Standard Insurance) and women’s socio-demographic and economic characteristics. Results: Out of the 33168 women, 25.3% did not have any insurance coverage, 45.5% were covered by SIS and 29.2% were covered by a Standard Insurance scheme. Women in the SIS group were found to have lower educational levels, live in rural areas and more likely to be poorer. Women in the Standard insurance group were found to be more educated, more likely to be “Spanish”, and to be wealthier. Most uninsured women appeared to belong to a middle class, not poor enough to be eligible for SIS, but also not eligible for standard insurance. Conclusions: Our study confirms that SIS has been effective in increasing coverage among vulnerable women, with coverage rates comparable with those observed among men. Nevertheless, on its own, it has proven to be insufficient to ensure universal coverage among women. Further reforms are needed to ensure that coverage is extended to all population groups.

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