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The Impact of Micro-Health Insurance on the Access to Health Care Service Among the Informal Sector Employee in Nigeria.

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The Impact of Micro-Health Insurance on the Access to Health Care Service among the Informal Sector Employee in Nigeria.

Saheed O. Olayiwola, Crescent University, Abeokuta. E-Mali: saheedolayiwola@yahoo.com

ABSTRACT

Health care insurance was formally launched in Nigeria in 2005 as a mechanism of catering of funding health care. The scheme which was designed along three streams of programmes vis: Formal Sector Programme (FSP), Informal Sector Programme (ISP) and Vulnerable Groups Programme (VSP) was currently catered for only formal sector employee. This paper analyze whether or not micro-health insurance scheme can be used to increase access to health care and utilization of health care services by the informal sector employee using the example of Lagos State Mutual health plan and Hygeia Community Health Plan.
A binary probit model is employ to estimate the determinants of participation in micro-health insurance and logit/log-linear model is used to measure the impact of micro-health insurance on access to health care services and utilization of health care services in Nigeria. The results shows that participation in micro-health insurance is dependent on household characteristics, coverage of illness, perception about future health care expenditure, age, number of children in the family, knowledge about health insurance, confidence in government policy and that household income and price of health care services have a negligible effect on participation in micro-health insurance scheme. Regarding access to health care services and utilization of health care services, the results shows that members of the scheme have easy and increased access to health care services and this increased their utilization of modern health care services since they don’t have to pay out of pocket during the illness.
It is therefore

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