AN ASSESSMENT OF THE HEALTH INSURANCE SCHEME IN NIGERIAN (THE CASE STUDY OF FEDERAL CIVIL SERVANTS IN ONDO STATE)

AN ASSESSMENT OF THE HEALTH INSURANCE
SCHEME IN NIGERIAN (THE CASE STUDY OF FEDERAL CIVIL SERVANTS IN ONDO STATE)
ABSTRACT
The
research study an assessment of the National Health Insurance Scheme (NHIS) in Nigeria; a case study of Federal Civil Servant
in Ondo State. With the following objective, To
investigate the history and evolution of National Health

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Insurance Scheme
(NHIS) in Nigeria
To
find out the commencement of the National Health Insurance Scheme (NHIS) in
Ondo State, Nigeria.
The
research work also go a long way showing the historical background of National
Health Insurance Scheme (NHIS) in Nigeria.
          The study will also enable the citizens of Nigeria to know the types of National Health
Insurance Scheme (NHIS) in Nigeria.
          The research work will also serve as a reference point and
guild line for future researchers, federal workers and the general public.
          The
study will update the existing body of knowledge on National Health Insurance
Scheme (NHIS) in Nigeria.
Both
primary and secondary sources of data collection were employed in this study.
Furthermore, a self –designed questionnaire was adopted to obtain information
for this study. The questionnaire was 
designed in two (2) section; A and B section A deals with the socio –
economic characteristics of respondents while section B deals with the
objectives of the study.



TABLE OF CONTENTS
Title Page                                                                               
Certification                                                                           
Dedication                                                                              
Acknowledgments                                                                  
Abstract                                                                                 
Table of Contents                                                                            
CHAPTER ONE
1.1     Background of the Study                                                       
1.2     Statement of the Problem                                                       
1.3     Objectives of the Study                                                 
1.4     Justification of the Study                                                       
1.5     Scope and Limitation of the Study                               
1.6     Organisation of the Study                                             
References
                                                                    
CHAPTER TWO
2.1     Literature
Review                                                         
2.1.1  History/Evolution
of National Health Insurance
Scheme
(NHIS)                                                             
2.1.2  Objectives
of National Health Insurance Scheme (NHIS)            
2.1.3   
Types of National
Health Insurance Scheme (NHIS)         
2.1.4  Implementation
of National Health Insurance
Scheme
(NHIS)                                                                  
2.1.5  Operations
of National Health Insurance Scheme (NHIS)
In
Nigeria.                                                                         
2.1.6  Achievement
of the National Health Insurance
Scheme
(NHIS)                                                                   
2.1.7  Challenges
of National Health Insurance Scheme (NHIS)          
2.2     Theoretical Framework                                                     
References                                                                         
CHAPTER THREE: RESEARCH METHODOLOGY
3.1     Introduction                                                                                
3.2     Research Design                                                                
3.3     Study Population                                                                
3.4     Sampling Technique/Sample Size                                      
3.5     Method of
Data Collection /Research Instrument                         
3.6     Administration of the Instrument                                       
3.7     Method of Data Analysis                                                            
References                                                                          
CHAPTER FOUR:
DATA PRESENTATION AND INTERPRETATION
4.1           
Introduction                                                                           
CHAPTER FIVE: SUMMARY,
CONCLUSION AND RECOMMENDATIONS
5.1     Summary                                                                      
5.2     Conclusion                                                                    
5.3     Recommendations                                                                  
          References
                                                                    
          Bibliography
                                                                
Questionnaire                                                               
CHAPTER ONE
1.1     BACKGROUND
OF THE STUDY
          In 1990, total health spending from less than $ 10 per
capital in several African and Asian Countries to more than $ 2,700 per capital
in the U.S.A.
(World Health Organization, 2009). As a result of this, the ability of
government especially in the ‘developing nations, to implement their health
policies, strategies programmes and projects has been greatly affected. This
chronic under –funding of the health sector makes it increasingly difficulty
for their public sector to provide health services for its populace in most
part of the developing nations. The achievement of the Millennium Development
Goals  (MDGS) is also becoming bleak due
to inadequate funding (Adesina, 2007).
          In Nigeria,
the health government is faced with various challenges – a stagnant mono –
cultural economy that depends on crude oil as single export commodity, a rapid
population growth, political instability and high rate of unemployment
(Adesina, 2007). Hence, the government cannot afford to commit enough money to
the health sector which is now faced with the consequence of under – funding
decreased efficiency, decreased quality/quantity of service, diminished
confidence in public sector health facilities and poor maintenance of
equipment. An alternative source of health financing is thus inevitable if our
vital health indices in Nigeria
will not continue to deteriorate, hence the evolution of the National Health
Insurance Scheme in Nigeria.
Health Insurance according to Durodola (2010) is a means of spreading the risks
of incurring health care cost over a group of individuals and households.
Health care cost are often
unaffordable to individuals if they have to pay the full cost of treatment as
it occurs Health Insurance is the pooling of resources by groups of individuals
to take care of such

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