Knowledge, Perception, and Willingness to Enrol in a Health Insurance Scheme: A Survey Among Uninsured Persons in Southern Nigeria
Background: Out-of-pocket payments for healthcare services hinders the attainment of universal health coverage. Objectives: To assess the current level of knowledge, perception, and willingness to enrol in a health insurance scheme among uninsured persons in Nigeria. Methods: This was a descrip...
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Riyadh Second Health Cluster Research Center, King Fahad Medical City (KFMC)
2025-04-01
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| Series: | The Journal of Medicine, Law & Public Health |
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| author | Unyime Eshiet Abasibiangake Sunday Ikpeme Neto Joy Umoh Victor Mba Blessing Udo |
| author_facet | Unyime Eshiet Abasibiangake Sunday Ikpeme Neto Joy Umoh Victor Mba Blessing Udo |
| author_sort | Unyime Eshiet |
| collection | DOAJ |
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Background: Out-of-pocket payments for healthcare services hinders the attainment of universal health coverage.
Objectives: To assess the current level of knowledge, perception, and willingness to enrol in a health insurance scheme among uninsured persons in Nigeria.
Methods: This was a descriptive cross-sectional study conducted among residents of Uyo, a city in southern Nigeria, who had not enrolled in any health insurance scheme
Results: About 14.3% (n = 72) of the study participants visited healthcare facilities at least once a week to address medical conditions for either themselves or their dependents. Although 335 (66.5%) of our respondents had heard of health insurance schemes, only 92 (18.3%) claimed to know how they work. Moreover, about 42.3% (n = 213) of our respondent perceived health insurance schemes as being expensive, while 102 (20.2%) considered it a waste of resources. Only 25.4% (n = 128) of the study participants were willing to subscribe to a health insurance scheme.
Conclusion: Knowledge of the concept of health insurance as well as awareness of the existence of affordable insurance plans is poor in a significant proportion of the population studied. Many respondents had a poor perception regarding health insurance schemes with the majority unwilling to enrol in one.
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| format | Article |
| id | doaj-art-36dd1df2e0574b91bafe1e28170ea165 |
| institution | OA Journals |
| issn | 2788-9815 2788-791X |
| language | English |
| publishDate | 2025-04-01 |
| publisher | Riyadh Second Health Cluster Research Center, King Fahad Medical City (KFMC) |
| record_format | Article |
| series | The Journal of Medicine, Law & Public Health |
| spelling | doaj-art-36dd1df2e0574b91bafe1e28170ea1652025-08-20T02:18:50ZengRiyadh Second Health Cluster Research Center, King Fahad Medical City (KFMC)The Journal of Medicine, Law & Public Health2788-98152788-791X2025-04-0153Knowledge, Perception, and Willingness to Enrol in a Health Insurance Scheme: A Survey Among Uninsured Persons in Southern NigeriaUnyime Eshiet0Abasibiangake Sunday1Ikpeme Neto2Joy Umoh3Victor Mba4Blessing Udo5Department of Clinical Pharmacy & Biopharmacy, University of Uyo, Nigeria Wellahealth Ltd., Uyo, NigeriaWellahealth Ltd., Uyo, NigeriaE-Mediconsult Ltd., Abak, NigeriaE-Mediconsult Ltd., Abak, NigeriaE-Mediconsult Ltd., Abak, Nigeria Background: Out-of-pocket payments for healthcare services hinders the attainment of universal health coverage. Objectives: To assess the current level of knowledge, perception, and willingness to enrol in a health insurance scheme among uninsured persons in Nigeria. Methods: This was a descriptive cross-sectional study conducted among residents of Uyo, a city in southern Nigeria, who had not enrolled in any health insurance scheme Results: About 14.3% (n = 72) of the study participants visited healthcare facilities at least once a week to address medical conditions for either themselves or their dependents. Although 335 (66.5%) of our respondents had heard of health insurance schemes, only 92 (18.3%) claimed to know how they work. Moreover, about 42.3% (n = 213) of our respondent perceived health insurance schemes as being expensive, while 102 (20.2%) considered it a waste of resources. Only 25.4% (n = 128) of the study participants were willing to subscribe to a health insurance scheme. Conclusion: Knowledge of the concept of health insurance as well as awareness of the existence of affordable insurance plans is poor in a significant proportion of the population studied. Many respondents had a poor perception regarding health insurance schemes with the majority unwilling to enrol in one. https://jmlph.net/index.php/jmlph/article/view/203Health InsuranceKnowledgeOut-of-Pocket ExpenditurePerceptionWillingness To Enroll |
| spellingShingle | Unyime Eshiet Abasibiangake Sunday Ikpeme Neto Joy Umoh Victor Mba Blessing Udo Knowledge, Perception, and Willingness to Enrol in a Health Insurance Scheme: A Survey Among Uninsured Persons in Southern Nigeria The Journal of Medicine, Law & Public Health Health Insurance Knowledge Out-of-Pocket Expenditure Perception Willingness To Enroll |
| title | Knowledge, Perception, and Willingness to Enrol in a Health Insurance Scheme: A Survey Among Uninsured Persons in Southern Nigeria |
| title_full | Knowledge, Perception, and Willingness to Enrol in a Health Insurance Scheme: A Survey Among Uninsured Persons in Southern Nigeria |
| title_fullStr | Knowledge, Perception, and Willingness to Enrol in a Health Insurance Scheme: A Survey Among Uninsured Persons in Southern Nigeria |
| title_full_unstemmed | Knowledge, Perception, and Willingness to Enrol in a Health Insurance Scheme: A Survey Among Uninsured Persons in Southern Nigeria |
| title_short | Knowledge, Perception, and Willingness to Enrol in a Health Insurance Scheme: A Survey Among Uninsured Persons in Southern Nigeria |
| title_sort | knowledge perception and willingness to enrol in a health insurance scheme a survey among uninsured persons in southern nigeria |
| topic | Health Insurance Knowledge Out-of-Pocket Expenditure Perception Willingness To Enroll |
| url | https://jmlph.net/index.php/jmlph/article/view/203 |
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