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Project Topic:

CONSUMER AWARENESS AND PERCEPTION OF NHIS SERVICES IN ILORIN-WEST L.G.A, KWARA STATE

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 Format: MS WORD ::   Chapters: 1-5 ::   Pages: 60 ::   Attributes: Questionnaire, Data Analysis ::   291 people found this useful

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CHAPTER ONE

INTRODUCTION

 

1.1 BACKGROUND TO THE STUDY

The rising cost of health services as well as the inability of the government health facilities to cope with people's demand necessitated the establishment of national health insurance Scheme (NHIS). The start of NHIS dates back to 1962 when the needs for health insurance in the provisions of health care to Nigerians was first recognized (Akande and bello, 2002; Katibi and Akande 2003). It was fully approved by the federal government in 1997, signed into law in 1999 and launched officially on the 6th of June 2005. The scheme is design to provide comprehensive health care delivery at affordable cost, covering employee of the formal sector, self employed, as well as rural communities, the poor, and the vulnerable group (Agba, 2007)

The Nigeria health sector has largely been based on a fee for service system with the government funds supplementing in capital project financing. External loans and grants in form of technical assistance and free drugs especially for preventive services are common in Nigeria. The global funds for HIV/AIDS, Malaria and tuberculosis are one of such initiatives. Immunization campaigns are also supported by donors’ agencies. So far, the common man is yet to get the best healthcare services in Nigeria. The fee for service system takes so much from his pocket and leaves him unprepared for most medical expenses. (Ekwam, 2007).

As a result of the possibility of very high and unpredictable medical cost, many users of the fee for service system arrange cover through private insurance schemes. Where the risk of illness is pooled among the insured group, private insurance scheme attempt to spread the risk of illness over all insures and as such discriminate less against the sick than pure fee based systems (Green, 2007). Social insurance schemes on the other hand widen the base of private scheme with payments tied to wage levels. Contributions to the scheme are made by employees, employers and in some cases the state. This system is identical for all enrollees, and the premiums are based on income rather than health status with collection systems for contribution organized within industrialized settings (Abel-Smith 1992). In some countries social insurance systems have been the forerunners of national health systems through either national insurance or tax.

The government instituted a social health insurance system in 2005 to bring succor to the plight of its citizens through the national health insurance scheme (NHIS). Health insurance involves the application of insurance principle to cover cost of defined medical benefits packages. It involves risk sharing between those who will need the benefits and those who Will not. It also involves spreading the burden of cost of healthcare services to the insured over time so that the insured can access services anytime without paying. This study is therefore conducted to study consumers’ awareness of National Health Insurance Scheme in Ilorin-west local government area, kwara state, Nigeria.

 

1.2   STATEMENT OF THE PROBLEM

Health care service provider lacks proper health education program. Enrollees seem not to be aware of their right under the scheme, and this was indicated in the fact that complains for redress was not being sought out by consumers at the NHIS arbitration panel.

To generality of Nigerians, access to health care service is still very limited. And also availability of healthcare is a function of location. E.g. many enrollees who live in rural areas found it difficult to travel distances since NHIS accredited HCPs are only available in limited urban station of the province. Many health care providers are not equipped with requisite man-power and up-to-date equipment to handle complains of the consumers. Sometimes prescribe drugs are not available. This live the consumer no other options than to seek alternative “cash and carry” health practitioners. This and other factors increase the financial burden of the enrollees.

Despite the fact that HCPs collect capitations, some do not expand and upgrade their facilities and then leave the consumer with no other option than to travel far for medical attention elsewhere at an additional cost.

Essentially, the problems point out indicate among other thing, lack of consumer orientation of the HCPs. These HCPs seems to still be operating in a “seller’s market” and this has continued to encourage the problems mentioned above. There is lack of consumers’ orientation amongst staff of HCPs, leading to further loss of consumers’ faith in the system.

 

1.3   OBJECTIVES OF STUDY

The main objective of study is to determine the awareness of NHIS healthcare delivery by healthcare consumer in Ilorin-west local government area. Kwara state

The specific objectives of the study are:

1. To examine the significance of NHIS awareness policy objectives and operation among consumers

2. To examine the NHIS healthcare consumer access to health services in Ilorin-west L.G.A

3. To appraise the perception of NHIS healthcare service delivery efficiency among NHIS Healthcare consumers in Ilorin West L.G.A.

 

1.4   RESEARCH QUESTIONS

The following research questions are formulated to direct the study:

1. What is the significance of the NHIS awareness policy objectives and operation among consumers in Ilorin west L.G.A, kwara state.

2. What method could be used to examine the NHIS health care consumers’ access to health services in Ilorin West L.G.A?

3. What method could be employ to appraise the perception of NHIS health care service delivery efficiency among consumers in Ilorin West L.G.A Kwara State?

4. What method of health service delivery is preferable among health care consumers in Ilorin West L.G.A?

1.5 STATEMENT OF RESEARCH HYPOTHESIS

Hypothesis 1

H0: NHIS policy has no significant effect on consumer access to health care services

H1: NHIS policy has significant effect on consumer access to health care services

Hypothesis 2

H0: government funds and external loan has no significant effect NHIS capital project financing

H1: government funds and external loan has significant effect NHIS capital project financing

  1.  SIGNIFICANCE OF THE STUDY
  2.  

The result of this study will represent a true and unbiased assessment of the scheme in Ilorin West L.G.A. for the first time, NHIS administration will understand the feelings of their enrollees in the region. This will definitely facilitate fine-tuning of policies and strategies both at the central and zonal levels

 

1.7   SCOPE OF STUDY

The study was carried out on consumers of health care services in Ilorin west L.G.A, Kwara state. Nigeria. It has been designed to assess the awareness of healthcare services by enrollees in Nigerian Police Force, academic staffs and Health workers.

 

1.8   LIMITATIONS OF THE STUDY

Some of the limitations faced by the studies include:

1. Poor data management, which hinder the effort of collecting secondary data in the course of writing the project.

2. Time and insufficient funds in the course of the research work

3. Negative attitude of respondents which was encountered while interviewing respondents.

 

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Paper Information

Format:MS WORD
Chapter:1-5
Pages:60
Attribute:Questionnaire, Data Analysis
Price:₦3,000
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