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 Insurance Scheme (NHIS) in Nigeria
1.              
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                                                                                     i
Certification                                                                                 ii
Dedication                                                                                   iii
Acknowledgments                                                                       iv
Abstract                                                                                       vi
Table of Contents                                                                        vii
CHAPTER ONE
1.1     Background
of the Study                                                   1
1.2     Statement
of the Problem                                                   3
1.3     Objectives
of the Study                                                      5
1.4     Justification
of the Study                                                   6
1.5     Scope
and Limitation of the Study                                     7
1.6     Organisation
of the Study                                                  7
References                                                                         9
CHAPTER TWO
2.1     Literature Review                                                               10
2.1.1   History/Evolution of National Health
Insurance
Scheme (NHIS)                                                                  11
2.1.2   Objectives of National Health Insurance
Scheme (NHIS)        13
2.1.3     Types of National Health Insurance
Scheme (NHIS)               15
2.1.4   Implementation of National Health Insurance
Scheme (NHIS)                                                                      17
2.1.5   Operations of National Health Insurance
Scheme (NHIS)
In Nigeria.                                                                              18
2.1.6   Achievement of the National Health Insurance
Scheme (NHIS)                                                                      21
2.1.7   Challenges of National Health Insurance Scheme
(NHIS)     
22
2.2     Theoretical
Framework                                                          25
References                                                                              27
CHAPTER THREE: RESEARCH
METHODOLOGY
3.1     Introduction                                                                             28
3.2     Research
Design                                                                      28
3.3     Study
Population                                                                     29
3.4     Sampling
Technique/Sample Size                                            29
3.5     Method of Data Collection /Research
Instrument                     30
3.6     Administration
of the Instrument                                             31
3.7     Method
of Data Analysis                                                         31
References                                                                              32
CHAPTER FOUR: DATA PRESENTATION AND
INTERPRETATION
4.1          
Introduction                                                                       33
CHAPTER FIVE: SUMMARY, CONCLUSION AND RECOMMENDATIONS
5.1     Summary                                                                           46
5.2     Conclusion                                                                        50
5.3     Recommendations                                                             51
          References                                                                         52
          Bibliography                                                                      53
Questionnaire                                                                    54
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 

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