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ABSTRACT
The intention of this research is to analyse the prospect and
problems of National health Insurance scheme in Nigeria. Which will
bring health care for all? In analyzing this topic I will give a brief
introduction on how the scheme works and states the prospect and
problem. Also a guideline will be drawn how the scheme will react in
Nigeria now it has been established and lunched. How the problem will be
solved.
The review of some other literature words on the subject
matter “National health insurance scheme” the meaning and in detail the
evaluation f health insurance in Nigeria.
I will also look into the
problems associated with National health insurance the benefit or the
scheme. Its role and methods of operation.
FINALLY: I will give a
run down on how the researcher concluded his research work, the method
and design used while work, the method and design used while undertaking
the research. Also present and analysis the data obtain and draw a
befitting judgment based on the responses received from the population
sample, interviewed and how people react to the subject matter NATIONAL
HEALTH INSURANCE SCHEME.”
CHAPTER ONE
1.0 INTRODUCTION
This research work is a
protection into the future of National health insurance scheme;
financing through insurance in Nigeria. This work will serve as a survey
on how Nigerians in general will react towards the operation of
National health insurance scheme. Many researchers have made numerous
proposals on how the scheme should be operated, but now the scheme has
started. It will be proper to examine the market reactions,
acceptability and its effect on the economy.
Moreover since the Logan
“health care for all by the year 2000” is within its reality, it is
felt that for such to be achieved, National health insurance scheme
should take place. And the government, ministry of health and the
general public should control the scheme. It has been noted that health
insurance is more advanced and modern alternative to the tax-financed.
Nat
with standing, this work gave a view of what National health insurance
is, its forms, its benefits and other important aspects that will put a
layman through on what National health insurance is. It was noticed that
as government has taken up the scheme, it will encounter a lot of
challenges and difficulties. This research work included recommendations
on how the government could subdue such difficulties and challenges of
health are delivery.
1.1 BACKGROUND OF STUDY
Since 1981 when the
Nigerian medical Association held a conference in Calabar and Dr. E.M
Umez Sroums delivered aa paper on “National health insurance” A
practical approach to health care financing in a developing economy. He
said that there has been growing need for National health insurance
scheme in Nigeria. This issue has engaged the attention of medical
doctors, insurance executive, the federal government of Nigeria, and
Nigerian Newspapers which have carried a member of headlines on the
topic.
But now the scheme has become a reality. The federal
government lunched the scheme on 6th June 2005. Base on the
establishment of the scheme, the purpose of providing health insurance
which shall entitle insured persons and their dependents the benefit of
prescribed good quality and cost effective health services as set out in
this Decree. That is Decree of 2000. The body established for the
management of the scheme are:
A governing council which shall
subject to the decree, which has general control of the scheme. The
council shall consist of the following members:
The chairman who
shall be appointed by the head of state. Commander in chief of minister
of health. Others are: each person to represent ministry of health,
fiancé, government of the federation, Nigeria labour congress, N.E.C.A,
private health care provided to carryout a research on this subject in
order to highlight the problems militating against the scheme or
problems which the scheme will face. Its prospects and make
recommendations which will ensure the success of the scheme here in
Nigeria.
1.2 STATEMENT OF THE PROBLEMS
A lot have been
done by various groups and bodies in order to come up with a benefiting
scheme that will achieve an effective goal of health care for all
Nigerians, which has been in highlights of government programmes.
There are problems that night hinder the effective national health insurance scheme in Nigeria.
i) Inadequate public Enlightment on the need for national health insurance service.
ii) The population of Nigerians did not welcome the scheme
iii) Non introduction of phase by phase structurally scheme.
iv) Its marketing strategies and means of operating the scheme
v) Non support of masses in response to the scheme for seminar.
In
order to improve health care delivery system in Nigeria; the researcher
must ensure that this research will problems that might hinder the
effective National health insurance scheme in Nigeria.
1.3 PURPOSE OF THE STUDY
Based on the problems surrounding the scheme. This work will examine.
i) How far insurance industry has gone in seeding to the effective of National health insurance scheme in Nigeria.
ii)
The out come of various committees established to make that National
health insurance scheme to be a successful one in Nigeria.
iii) To know the peoples reaction and market acceptability of the scheme.
iv)
To recommend through these research work proper guidelines and means
which the scheme will operate in our country for a complete market
acceptance by all Nigerians.
1.4 SIGNIFICANCE OF THE STUDY
This projects will
be of great importance to all Nigerians who for long shares same view
that our Nation Nigeria need to adopt a health care insurance that will
fair of loss cost, efficient and effective in the administration and
operation.
However, on more pronounce detail, this study’s importance
on individual basis that will be of help if its recommendation are
adopted to facilitate the immediate acceptance of National health
insurance by all, it will create health care finance awareness on a
model way which will encourage personal contribution of ideas fiancé and
materials towards ensuring a good health care delivery to all.
Organization,
institutions and business entities who spent huge amount of money for
there employees and families for health insurance will becomes
operational in Nigeria. This will be achieved of such scheme is adopted
in line with the research recommendation and the little amount saved
will be channeled to other profitable venture.
Nigerians will also
fire the study beneficial, if the guideline and recommendation are
adopted in establishing National health insurance scheme in Nigeria
which will obtain its health for all by the scheme.
The health sector
will witness efficiency the scheme will eliminate corruption
indiscipline, fraud and ensuring death reduction from, all health, this
in variable will lead to an increase in Nigeria citizens due to in
improving bur artic and depressed health care delivery system will on
establishing National health insurance scheme will fined Nigeria a
worthy place to live and their money.
1.5 Scope and limitation of the study
This work
for easier understanding and implementation covers all analytical
research aimed within the country for the establishment of health
insurance including the held since 1990 till date for the establishment
of National health insurance scheme. As National health insurance scheme
has introduced now there are some problems that its prospects and
problems that its prospects and problems in the economy. During the
project some problems faces the research they are:
Financial constraint
Time constraint
Knowing how the public will react as the scheme has been introduced today.
To identifying the suitable type of National health insurance in operating such scheme.
How to engage a massive support from all Nigerian if the response to the scheme is now.
Its marketing strategies and means of operating such scheme.
Those problems as mentioned will be relayed in details how each a constraint to this research work.
Financial contrant
Due
to lack of enough fund, the researcher could not meet all required
financial obligations which the work demands, this never, resulted to a
few limitations.
Time constraint
As we know time is never on
anyone’s side, so it was a constraint to our research work because there
was other programmes such as examination quiz and other academic works
which fell exactly within the period of our research work and all these
programmes plus the research demanded till the same and equal attention.
1.6 Definition of terms
i) Insurance company: A company registered or demand to be registered under the companies and Allied Matter Decree of 1997.
ii) Health: It is a sound of bodily or mental condition of a person.
iii)
Health insurance: The ability to get health services when required
without having to pay fully at the time of need either because payment
has previously been made by regular contributions by the insured or
his/her employer or both.
iv) Health care delivery: The act or
process of administering effective medication and hospitalization to
sick people in a community at a reduce rate.
v) Capitation: Registered payment on personal basis to a doctor for giving health service to a person concerned when necessary.
vi)
National health insurance scheme: It is a body corporate established
under Act 35 of 1999 by the federal government of Nigeria to improve the
health of all Nigeria at an affordable cost.
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