Predictors of Enrolment in Health Insurance: A Study among Self-employed Workers in Ijebu-ode Local Government Area, Ogun State, Nigeria
Abstract:
Background: Health
insurance is a social security mechanism for achieving improved access to healthcare
services and at burden reducing cost. In Nigeria, less than 10% of the population
has health insurance. The objective of this study was to assess the knowledge, attitude
and self-efficacy of self-employed workers regarding enrolment in health insurance.
Materials and Methods: This
study adopted a cross-sectional survey design among 420 market traders attending
Olabisi Onabanjo International Market, Ijebu-ode. Stratified systematic sampling
technique was used to collect data analysed and presented as frequency distribution,
means and standard deviations and inferential statistics which were statistically
tested at 5% level of significance.
Results: This
study found that enrolment in health insurance among self-employed workers was 9%.
The respondents in this study expressed good level of knowledge (9.66±1.94), positive
attitude (27.65±5.52), and high health insurance decision self-efficacy (12.22±4.64)
towards health insurance. There was a statistically significant relationship between
self-efficacy (r=0.158; p=0.003) and enrolment in health insurance among self-employed
workers.
Conclusions: This
study concluded that despite the outcomes of the variable studied, enrolment in
health insurance was still low suggesting that there are additional barriers that
need to be explored. This study recommended that reinforcing factors and enabling
factors that could facilitate or impede the decision of self-employed workers to
enrol in health insurance should be explored.
Keywords:
Enrolment, Health
insurance, Health financing, Self-employed workers.
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