ABSTRACT: This research work is on the Problem Facing National Health Insurance Scheme in Nigeria. The source of data for the work area oral interview and questionnaire, the population of the study was drawn from both national and state hospitals in Enugu. Samples of questionnaires were distributed to the respondents. The instruments used are oral interview and questionnaire. The instrument were reliable because they include statements of the problem, objectives of the study and the research questions, one of the findings is that the various methods used in marketing of health insurance is not known by the people. One of the conclusions is that there should be free material and child health programme for the country.
TABLE OF CONTENTS
CHAPTER ONE
INTRODUCTION 1
CHAPTER TWO
REVIEW OF RELATED LITERATURE 10
2.1 An Overview 10
2.2 Historical Development of Health Insurance 10
2.3 Marketing Health Insurance Scheme in Nigeria 14
2.4 Role of Government on Health
Insurance Schemes 16
2.5 Organization Responsible for the Health
Scheme in Nigeria 18
2.6 Various Types of Policies Sold by the
Health Service Providers 20
2.7 Prospects of Effective Marketing of Insurance
Scheme in Nigeria 24
2.8 Problems of Marketing Health Insurance
Scheme in Nigeria 25
2.9 Challenges Facing Marketing Health
Insurance Scheme in Nigeria 27
Reference 31
CHAPTER THREE
RESEARCH METHODOLOGY 32
3.1 Sources of Data 32
3.2 Population of the Study 33
3.3 Instrument Used for the Study 34
3.4 Validity of the Instrument Used 35
3.5 Reliability of the Study 35
CHAPTER FOUR
SUMMARY OF FINDINGS 36
4.1 Findings 36
4.2 Discussion of Findings 37
CHAPTER FIVE
CONCLUSION AND RECOMMENDATIONS 38
5.1 Conclusion 38
5.2 Recommendations 39
5.3 Suggestion 49
Bibliography 41
Appendix 43
Questionnaire 44
CHAPTER ONE
INTRODUCTION
1.1 BACKGROUND OF THE STUDY
The national health insurance scheme (NHIS) is a social health insurance programme designed by the federal government of Nigeria to complement or to improve services of financial health sector, and to improve access of health care for the majority of Nigeria. The evolution of the National Health Insurance scheme decade back to 1962, when the need for health insurance in the provision of health care to Nigeria citizen was first recognized.
Furthermore, the introduction of the structural adjustment programme in 1986 adversely affected health allocation and other factors that led to the introduction of the national health insurance scheme. This general poor stated of the nations health care services is giving the government a lot of concern.
The concept of social health insurance was first mooted in 1962 by Heuvi committee, which passed the proposal through the Lagos health bill. Unfortunately it was truncated in 1985, Dr. Emmanuel Usman, the minister of health set up a committee on national health review led by Mr. L. Ligailu.
At its 42nd meeting, the national council on health (NCH) approved the NIS to ensure full private sector participation. This model ensured the introduction of health maintenance organization (HMO) and financial managers of the scheme. On October 15th the national health insurance scheme was finally launched.
The executive law decree 35 of 1999 (Now Act 35 of 1999) was signed in many 1999. National council on health special meeting on NIHS held in Port Harcourt in July 2011, recommended the need for the scheme to take off. Hereafter an implementation policies committee was set of which met in September 2011 and recommended the immediate take off of the scheme.
1.2 STATEMENT OF THE PROBLEMS
1. Health insurance is new in Nigeria; the target of its introduction is to achieve good health to all citizens in Nigeria. Most of Nigeria are unemployed, resident in the rural areas without hospital, water and infrastructure and inadequate personnel.
2. The researcher wants to know the strategies to be used in marketing health insurance in the situation of poor infrastructural development, unemployment and how level of income or capital and to indemnify what will be the inability factor in marketing health insurance business in Nigeria.
3. To make suggestions to the marketers on the best way to market health insurance policies with the rural support.
1.3 OBJECTIVE OF THE STUDY
In this research, the researcher wants to know how possible it will be for effective marketing of health insurance policies as new product in Nigeria.
1.4 RESEARCH QUESTIONS
The researcher formulated the following questions to help identify the various ways to be used in marketing health service scheme in Nigeria, mostly to the people of the rural area.
1.5 SIGNIFICANCE OF THE STUDY
This work will be important to the following:-<
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