scholarly journals COMMUNITY-BASED HEALTH INSURANCE SCHEME IN A RURAL COMMUNITY OF NORTH WEST NIGERIA: A ROADMAP TO ACHIEVING UNIVERSAL HEALTH COVERAGE.

2020 ◽  
Vol 14 (2) ◽  
pp. 125-130
Author(s):  
Lawal A ◽  
◽  
Gobir AA ◽  
Keyword(s):  
Health Care ◽  
Health Insurance ◽  
Health Care Services ◽  
Health Insurance Scheme ◽  
Willingness To Participate ◽  
Insurance Scheme ◽  
Community Based ◽  
Quality Health Care ◽  
Community Based Health Insurance ◽  
Care Services

Background: Community Based Health Insurance (CBHI) scheme is aimed at reducing out of pocket spending on health care services, ensuring final risk protection to all, especially the poor and the most vulnerable, improvement of quality of health care services, access and utilization as well as the promotion of equity. Objective: This research was aimed at determining willingness to participate in a community-based health insurance scheme among rural households in Katsina State. Method: A cross-sectional descriptive study was conducted in December 2016 among households of Batagarawa LGA, Katsina State. We used a pre-tested, electronic, semi-structured interviewer-administered questionnaire to obtain data from households that were selected using a multistage sampling technique and we analyzed the data using STATA version 13. Results: Most, (28.5%) of the respondents were in the age range of 30-39 years with a mean age of 35.5 years. Males were the dominant household heads (93%). Most were married (90%). Most, (90.5%) of households were willing to pay for a community-based health insurance scheme with a median premium of 100 Naira per household member per month. Conclusions: The high proportion of households willing to pay for the scheme should inform the decision of policy makers to design and maintain Community Based Health Insurance Scheme to improve access to and utilization of quality health care services.

The Impact of Community Based Health Insurance in Enhancing Better Accessibility and Lowering the Chance of Having Financial Catastrophe Due to Health Service Utilization

2015 ◽  
Vol 47 (3) ◽  
pp. 504-518 ◽  
Author(s):  
Somdeth Bodhisane ◽  
Sathirakorn Pongpanich
Keyword(s):  
Health Care ◽  
Health Insurance ◽  
Household Income ◽  
Health Care Services ◽  
Lower Probability ◽  
Community Based ◽  
Cross Sectional ◽  
Community Based Health Insurance ◽  
Care Services ◽  
The Impact

The Lao population mostly relies on out-of-pocket expenditures for health care services. This study aims to determine the role of community-based health insurance in making health care services accessible and in preventing financial catastrophe resulting from personal payment for inpatient services. A cross-sectional study design was applied. Data collection involved 126 insured and 126 uninsured households in identical study sites. Two logistic regression models were used to predict and compare the probability of hospitalization and financial catastrophe that occurred in both insured and uninsured households within the previous year. The findings show that insurance status does not significantly improve accessibility and financial protection against catastrophic expenditure. The reason is relatively simple, as catastrophic health expenditure refers to a total out-of-pocket payment equal to or more than 40% of household income minus subsistence. When household income declines as a result of inability to work due to illness, the 40% threshold is quickly reached. Despite this, results suggest that insured households are not significantly better off under community-based health insurance. However, compared to uninsured households, insured households do have better accessibility and a lower probability of reaching the financial catastrophe threshold.

The effect of community-based health insurance on the utilization of modern health care services: Evidence from Burkina Faso

Health Policy ◽  
2009 ◽  
Vol 90 (2-3) ◽  
pp. 214-222 ◽  
Author(s):  
Devendra Prasad Gnawali ◽  
Subhash Pokhrel ◽  
Ali Sié ◽  
Mamadou Sanon ◽  
Manuela De Allegri ◽  
...  
Keyword(s):  
Health Care ◽  
Health Insurance ◽  
Burkina Faso ◽  
Health Care Services ◽  
Community Based ◽  
Community Based Health Insurance ◽  
Care Services ◽  
Modern Health Care

scholarly journals Willingness to Participate and Pay into a Community- Based Health Insurance Scheme in Imesi-Ile, a Rural Community in Osun State, Nigeria

2020 ◽  
pp. 73-84
Author(s):  
Oluwaseun T. Esan ◽  
Ridwan O. Opeloye ◽  
Taiwo W. Oyeniyi ◽  
Ayodele O. Joseph ◽  
Ifeoluwa B. Oluwalana ◽  
...  
Keyword(s):  
Health Insurance ◽  
Rural Community ◽  
Contingent Valuation Method ◽  
Statistical Significance ◽  
Health Insurance Scheme ◽  
Willingness To Participate ◽  
Insurance Scheme ◽  
Community Based ◽  
Community Based Health Insurance ◽  
Household Heads

Aims: Rural dwellers are forced into a vicious circle of lack of financial risk protection to accessing non-optimal care and more poverty from its complications because out-of-pocket payment is their mainstay health care financing option. A sustainable and effective Community-based health insurance scheme will offer some respite. The study aimed to determine household heads’ willingness to participate and pay into a community-based health insurance scheme and the associated factors. Study Design: Descriptive cross-sectional. Place and Duration of Study: Imesi-Ile, a rural community in Obokun Local government area of Osun state, Nigeria between July and September, 2015. Methods: Study population were 147 of the 155 household heads selected via a multi-stage sampling technique. Quantitative data collection was done using a structured questionnaire. The household health status, level of trust and reciprocity in the community, their awareness of a community-based health insurance scheme and their willingness to participate and pay into it using the double contingent valuation method were assessed. Data was analysed using the IBM SPSS version 20 software and statistical significance determined at p<0.05. Results: There was a low level of awareness (13.6%), but majority (87.1%) were willing to participate after being informed. Only 54(42.2%) were willing to pay ₦12,000 ($33.3). The maximum amount they were willing to pay was ₦6000 ($16.7). Younger household heads (p=0.009), males (p=0.032), earning ≥₦6000 ($16.7) monthly (p=0.006), and involved in cooperative schemes (p=0.002) were significantly more willing to participate in the scheme. While the sex of the household heads (p=0.006) and mean score on reciprocity (p=0.002) were significantly associated with paying ₦12,000 ($33.3) as premium for a household of 6 persons. The preferred frequency of payment was monthly (53.8%).  Conclusion: The household heads in Imesi-Ile community were willing to participate and pay into the scheme. However, further studies on the feasibility and sustainability of implementation is advised.

scholarly journals Comparative Study of Enrollee Satisfaction with Private and Public Health Care Providers of Community Based Health Insurance Scheme in Edu LGA, Kwara State

2020 ◽  
pp. 77-84
Author(s):  
I. M. Sheshi ◽  
Y. F. Issa ◽  
S. A. Aderibigbe ◽  
B. E. Agbana ◽  
M. D. Sanni
Keyword(s):  
Health Care ◽  
Health Insurance ◽  
Care Delivery ◽  
Health Insurance Scheme ◽  
P Value ◽  
Insurance Scheme ◽  
Community Based ◽  
The Public ◽  
Private Providers ◽  
Community Based Health Insurance

Introduction: Many low and middle income countries keep on searching for different ways of financing their health systems. In order to ensure accessibility to quality health services by those in the rural areas, a Community Based Health Insurance Scheme was initiated which aim to integrate both human and financial resources within the rural communities to provide basic healthcare services to its resident.  In recent years, level of patient satisfactions have been identified as one of the major yardsticks to measure quality of healthcare. This study was conducted to compare enrollees satisfaction of public and private providers of community based health insurance scheme in Edu Local Government Area of Kwara State, Nigeria. Materials and Methodology: A descriptive cross sectional study was carried out among eight hundred respondents that were selected using multistage sampling technique. Data was collected using a semi-structured interviewer administered questionnaire and Focus Group Discussion. Analysis was done with EPI info software and confidence level was held at 95% and a p-value of less than 0.05 was considered as statistically significant. Results: The satisfaction level with private facility (4.28±0.35) was higher than that with public facilities (4.12 ±0.48). The difference was significant at a p-value of <0.001. Private providers had a higher satisfaction level than the public providers in the domains of empathy, tangibles, assurance and timeliness. The difference was statistically significant as the p-value was less than 0.05. No differences in level of satisfaction in responsiveness among the respondents of both providers as the p-value was 0.295. There was an association between marital status and satisfaction in public providers while an association occur between type of marriage and satisfaction in private provider. There was an association for both providers in occupation level, level of education and length of enrolment. Conclusion and Recommendation:  There was a higher overall satisfaction among enrollees of private providers than the public providers of Community Based Health Insurance Scheme. Health care delivery by private providers is of good quality and as such private facilities should be maintained as part of the providers of Community Based Health Insurance Scheme. Government should also strengthen monitoring and supervision to ensure good quality of health care delivery to the enrollees especially in the public health facilities.

scholarly journals Assessing responsiveness of health care services within a health insurance scheme in Nigeria: users’ perspectives

2013 ◽  
Vol 13 (1) ◽  
Author(s):  
Shafiu Mohammed ◽  
Justo Lorenzo Bermejo ◽  
Aurélia Souares ◽  
Rainer Sauerborn ◽  
Hengjin Dong
Keyword(s):  
Health Care ◽  
Health Insurance ◽  
Health Care Services ◽  
Health Insurance Scheme ◽  
Insurance Scheme ◽  
Care Services

scholarly journals Do Health Insurance Scheme affect the Livelihood of People in the Rural Area of Ghana: Empirical Evidence from Adaklu Anyigbe

2020 ◽  
pp. 460-465
Author(s):  
Phanuel Mawuli Kofi Segbefia ◽  
Yinghua Chen ◽  
Emmanuel Kwaku Manu
Keyword(s):  
Health Care ◽  
Health Insurance ◽  
Health Care Services ◽  
National Health Insurance Scheme ◽  
Health Insurance Scheme ◽  
Primary Data ◽  
Insurance Scheme ◽  
Care Services ◽  
Adequate Funding ◽  
The People

The main objective of establishing the National Health Insurance Scheme (NHIS) is to protect the poor and put health in the hands of the people. It also aims to provide health services for all by abolishing the "cash and carry" system in which patients are asked to pay before they are treated. This study was conducted to assess a new method of financing Health Care in Ghana, evaluation of Mutual Health Insurance Scheme in Adaklu Anyigbe. A questionnaire was designed using structured questions to collect primary data from health facilities and clients of the NHIS. Personal interviews were held to solicit views and comments from some respondents. The results show that the availability of adequate funds for health care services is very important for the survival of the health insurance scheme. Adequate funding for health care services will assist in meeting health care services and delivery requirements for health service facilities and clients in Ghana. Meeting Ghana's health requirements will require the adoption of effective policies and guiding principles that integrate the input and concerns of all stakeholders from the health care business.

scholarly journals To: Plos One Knowledge, experiences and perceptions of the Ghana National Health Insurance Scheme in three districts

2018 ◽  
Author(s):  
Sataru Fuseini ◽  
Seddoh Anthony
Keyword(s):  
Health Care ◽  
Health Insurance ◽  
National Health Insurance ◽  
National Health ◽  
Health Care Services ◽  
National Health Insurance Scheme ◽  
Health Insurance Scheme ◽  
Insurance Scheme ◽  
Public And Private ◽  
Care Services

Background Ghana’s National Health Insurance Scheme is a demand side programme where the governing authority registers clients and purchases health care services for them from public and private providers. Access of services is high across a broad Benefits Package with no parallel enrolment necessary for any type of service at the point of access. Nonetheless, there is evidence of difficulty in acquiring and use of the NHIS card to access health care services. Objective While studies had been conducted into general awareness, there was no linkage between awareness, uptake and experiences with registration and use of the card. This study fills this gap. Methods This is a descriptive study. A mix of qualitative (39 Focus Group Discussions) and quantitative (625 household interviews) methods were used to collect the data. Qualitative data was analysed manually using a thematic approach while a frequency analysis was done for the quantitative data. Results Knowledge about the Scheme was near universal. Enrolment was lower among FGD discussants, 38.7% had valid cards, than for household respondents, 62.9% valid cards. While mixed experiences with the registration process was observed among FGD discussants, 74% of the households’ ranked attitudes of Scheme staff as positive. The study found the NHIS card facilitates access to facility based health care. Satisfaction levels with use of the card were mixed and contextual among discussants. However, 90% of households reported their cards were readily accepted at health facilities. Expired card (51.4%) and health facility had stopped accepting NHIS cards (14.3%) were mentioned as reasons for non-acceptance. Conclusion People’s experience during registration and use of the NHIS card to access health care has lasting effect on their perceptions of the Scheme. This can be harnessed to manage the high expectations, grow membership, discourage frivolous use and address artificial barriers of access.

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