Acceptance of Health Insurance Scheme among Civil Servants in Ilorin West Local Government Area, Kwara State, Nigeria




Healthcare financing, NHIS, National Health Insurance Scheme, civil servants, acceptance, health insurance sheme


Background: According to the National Health Insurance Scheme (NHIS) Decree No. 35 of 1999, the broad objective of the NHIS is to make sure that there is adequate provision of health insurance with the utmost benefit of cost-effective and good-quality health services designated to the insured person and its beneficiaries. We aimed to determine the level of awareness and acceptance of the Health Insurance Scheme (HIS) among Civil Servants in the Ilorin west local government area of Kwara State, Nigeria.

Methods: A descriptive cross-sectional study that involves Civil Servants in Ilorin west Kwara State. Data were obtained through a self-administered questionnaire. A multi-stage sampling technique was used to select 310 participants. Data analysis was done using SPSS version 20, univariate and bivariate analyses were conducted at p<0.05 level of significance.

Results: Majority (86%) of the respondents were not aware of the HIS. More than half of the respondents (87.8%) believed that Out-of-Pocket services are better than HIS. Two-thirds (60.0%) of the respondents get their information about HIS program from radio/TV stations. A majority (83.5%) do not accept HIS, 13.1% of the respondents accept HIS and 3.4% were undecided. There is a significant relationship between marital status and acceptance of HIS.

Conclusion: Most of the respondents do not accept to participate in the implementation of HIS.  Acceptance of the NHIS is strongly influenced by the marital status of the civil servants and all other variables do not influence acceptance of the NHIS.


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How to Cite

Omole, G., Olokoba, L. B., Tairu, S. K., Ojeniran, T. P., Ayinde , O. V., Afolabi , A. A., & Ridwan , O. A. (2024). Acceptance of Health Insurance Scheme among Civil Servants in Ilorin West Local Government Area, Kwara State, Nigeria. The Nigerian Health Journal, 23(4), 943–951.



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