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ABSTRACT
The central theme of this study is healthcare financing with focus on the Social
Health Insurance system (National Health Insurance Scheme - NHIS) for Nigeria.
Like other developing countries of the world, the Nigerian government has been
constrained in its effort to provide free healthcare services to its teeming population
largely as a result of the global economic recession, Structural Adjustment
Programme (SAP), IMF/World Bank imposed conditionalities of reduced public
spending on social services (including health), and devaluation of the naira. These,
coupled with a rapid population growth and political instability have resulted (over
years) in a gradual decline in government expenditure on healthcare and an
attendant deterioration of public healthcare services in terms of both quality and
quantity.
This has reflected visibly on the health indices for Nigeria as evidenced by the high
Infant Mortality Rate (IMR), Maternal Mortality Rate (MMR) and the life expectancy at
birth (55yrs).
In response to this, the Nigerian g
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