AI Article Synopsis
- The study assessed the ability of Nigerian households in both rural and urban areas to pay for various national health insurance scheme premiums.
- Average household capacity to pay varied significantly, with amounts ranging from approximately US$194 to US$986.
- The research concluded that the proposed threshold premiums for rural and national health insurance schemes were affordable for the lowest socio-economic group, suggesting these should be the maximum premiums used in the national health insurance proposal.
Article Abstract
Background: The national health insurance scheme of Nigeria recently proposed a national premium for community based insurance scheme. This study determined the capacity of households in the rural and urban areas in Nigeria to pay for the premium and different hypothetical health insurance schemes namely national health insurance scheme, national urban health insurance scheme, national rural health insurance scheme and regional health insurance schemes. It determined the likely impact of different premiums on membership across socio-economic status quintiles, and then determined the threshold premium affordable to rural and urban households.
Results: The results show that the mean capacity to pay for the households in different regions ranged from US$194 ± 100 to US$986 ± 907. The threshold premiums of the national health insurance scheme, urban national health insurance and rural health insurance schemes were US$66, US$154 and US$53 respectively.
Conclusions: Overall, the threshold premium for rural national health insurance scheme and national health insurance schemes were affordable to the lowest socio economic group. Hence, it is recommended that threshold premium for rural national health insurance scheme be adopted as the maximum premium not to be exceeded in the proposed national health insurance scheme.
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Source |
|---|---|
| http://www.ncbi.nlm.nih.gov/pmc/articles/PMC4971742 | PMC |
| http://dx.doi.org/10.1186/s13104-016-2185-1 | DOI Listing |
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