Household Perceptions, Willingness to Pay, Benefit Package Preferences, Health System Readiness for National Health Insurance Scheme in Southern Nigeria  

作　　者：Ishola Babatunde Omotowo Uchechukwu Enuma Ezeoke Ikechukwu Emmanuel Obi Benjamin S. Chudi Uzochukwu Chike Chuka Agunwa Christopher Bismarck Eke Chinedu Arthur Idoko Ancilla Kate Umeobieri Ishola Babatunde Omotowo;Uchechukwu Enuma Ezeoke;Ikechukwu Emmanuel Obi;Benjamin S. Chudi Uzochukwu;Chike Chuka Agunwa;Christopher Bismarck Eke;Chinedu Arthur Idoko;Ancilla Kate Umeobieri(Department of Community Medicine, College of Medicine, University of Nigeria, Enugu Campus, Enugu, Nigeria;Department of Paediatrics, College of Medicine, University of Nigeria, Enugu Campus, Enugu, Nigeria)

机构地区：[1]Department of Community Medicine, College of Medicine, University of Nigeria, Enugu Campus, Enugu, Nigeria [2]Department of Paediatrics, College of Medicine, University of Nigeria, Enugu Campus, Enugu, Nigeria

出　　处：《Health》2016年第14期1630-1644,共15页健康（英文）

摘　　要：Introduction: Several Nigerians are completely denied access to adequate health care because of cultural, temporal and financial factors with inequity. Objectives: To ascertain the household perceptions, willingness to pay, benefit package preferences, and health systems readiness for Insurance Scheme. Methods: A cross-sectional study of 400 heads of households and 43 health workers in Enugu, Southern Nigeria. Results: Awareness of NHIS among the heads of household was 56.8%, while it was 86% among the health workers. Awareness of NHIS among heads of households was significantly associated to both educational level (X² = 16.083, P = 0.001), and occupation (X² = 5.694, P = 0.017). More males (61.6%) had correct perceptions of NHIS compared to females (58.6%), but not statistically significant (X²= 0.336, P = 0.562). Majority of households respondents 89% are willing to pay for NHIS. Willingness to pay was significantly associated to occupation (X² = 5.169, df = 1, P = 0.023), but willingness to pay mandatory 5% premium was not significantly associated to occupation (X² = 0.884, P = 347). Only 11.6% of the health facilities are enlisted as providers in the scheme. Conclusion: Willingness to pay was high, but majority are not ready to pay 5% premium of their earnings. Awareness creation programmes should be improved for the public, and more health facilities enlisted for wider coverage.Introduction: Several Nigerians are completely denied access to adequate health care because of cultural, temporal and financial factors with inequity. Objectives: To ascertain the household perceptions, willingness to pay, benefit package preferences, and health systems readiness for Insurance Scheme. Methods: A cross-sectional study of 400 heads of households and 43 health workers in Enugu, Southern Nigeria. Results: Awareness of NHIS among the heads of household was 56.8%, while it was 86% among the health workers. Awareness of NHIS among heads of households was significantly associated to both educational level (X² = 16.083, P = 0.001), and occupation (X² = 5.694, P = 0.017). More males (61.6%) had correct perceptions of NHIS compared to females (58.6%), but not statistically significant (X²= 0.336, P = 0.562). Majority of households respondents 89% are willing to pay for NHIS. Willingness to pay was significantly associated to occupation (X² = 5.169, df = 1, P = 0.023), but willingness to pay mandatory 5% premium was not significantly associated to occupation (X² = 0.884, P = 347). Only 11.6% of the health facilities are enlisted as providers in the scheme. Conclusion: Willingness to pay was high, but majority are not ready to pay 5% premium of their earnings. Awareness creation programmes should be improved for the public, and more health facilities enlisted for wider coverage.

关 键 词：PERCEPTIONS Willingness to Pay Health Insurance NIGERIA 

分 类 号：TP3[自动化与计算机技术—计算机科学与技术]