Time Journal of Medical Science Report and Research
TJMSRR Abstract -

Assessment of the acceptability of Community Based Health Insurance and maximum willingness to pay amongst urban slum dwellers in Abuja, Nigeria.

1Ewelike, Uchenna Eugenes MBBCh, PhD, 2Onwujekwe, Obinna MBBS, PhD, 3Obikeze, Eric PhD,4Ogbu, Kenneth PhD,5Abukakar, Mohammad Kurfi, MBBS, MPH,6Okoronkwo,Ijeoma PhD

Informal Sector Department, National Health Insurance Scheme, Headquarters, Abuja, Nigeria.1
Department of Health Administration and Management, University of Nigeria, Enugu Campus.2, 3, 6
National Health Insurance Scheme, Anambra State Office, Anambra State, Nigeria.4
Department of Planning, Research and Monitoring, National Health Insurance Scheme, Headquarters, Abuja, Nigeria.5

                     Corresponding Author Email: doctorewelike@yahoo.com

                                        Accepted Date: 29 October, 2019

Introduction: Lack of financial risk protection especially for households within the informal sector has been the bane of the Nigerian Health System. Many of the citizens pay for their healthcare needs through the regressive out-of-pocket payment method. Community Based Health Insurance is one of the non-mandatory ways of raising revenue to finance health. Being a non-mandatory method, it is important to scientifically elicit acceptability and stated preferences amongst households. so as to know areas of intervention to convince these households to register for the scheme. Willingness to pay, which is a contingent valuation method, was used in this study to elicit maximum amount urban slum dwellers in Abuja were willing to pay. Also, data was collected to determine acceptability of CBHI. Methodology:. The study was cross sectional descriptive study. The study was a quantitative study involving five urban slums in Abuja using a multi-stage systematic sampling method using well-structured questionnaires as interview tools. Data were analyzed using descriptive statistics, statistical test and presented in charts and tables. Results: The study revealed very high acceptability for CBHI 81.4%, willingness to enroll for self (78.2%) and (74.8%) for other household  members. It also showed that at premium N500.00 only, 59% of the urban slum dwellers were willing to pay for CBHI while 72.2% were willing to pay a premium of N400. The maximum amount they were willing to pay was N613.77, N554.65 and N456.65 for self, household members and other non-family members (altruistic) respectively. Discussion: Urban slum dwellers in Abuja accepted CBHI and are willing to utilize the social solidarity inherent in community financing and contribute for their healthcare needs through CBHI. These slum dwellers can willingly contribute N500 per person per month using the median price of this study. It is recommended that owning to the high acceptability and willingness to pay findings of this study, the Federal Capital Territory Health and Human Services Secretariat should immediately commence the process of activating CBHI pools across the slums in Abuja to ease their access to healthcare.

Key Words: Acceptability, Willingness to pay, (WTP), Community Based Health Insurance (CBHI), Urban Slums, Abuja.