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Title: ASSESSMENT OF THE LEVEL OF AWARENESS AND FACTORS AFFECTING ENROLLMENT FOR HEALTH INSURANCE SCHEME AMONGST UNIVERSITY STAFF IN ENUGU STATE, NIGERIA
Authors: OMOLE, OLUYOMI. O; DR. (MRS.) N. T. IWUEKE
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OMOLE, OLUYOMI. O; DR. (MRS.) N. T. IWUEKE Department of Geography and Meteorology, Faculty of Environmental Sciences, Enugu State University of Science and Technology, Enugu State, Nigeria.
MLA 8 O, OMOLE, OLUYOMI., and DR. (MRS.) N. T. IWUEKE. "ASSESSMENT OF THE LEVEL OF AWARENESS AND FACTORS AFFECTING ENROLMENT FOR HEALTH INSURANCE SCHEME AMONGST UNIVERSITY STAFF IN ENUGU STATE, NIGERIA." Int. j. of Social Science and Economic Research, vol. 4, no. 1, Jan. 2019, pp. 687-705, ijsser.org/more2019.php?id=54. Accessed Jan. 2019. APA O, O., & IWUEKE, D. (2019, January). ASSESSMENT OF THE LEVEL OF AWARENESS AND FACTORS AFFECTING ENROLMENT FOR HEALTH INSURANCE SCHEME AMONGST UNIVERSITY STAFF IN ENUGU STATE, NIGERIA. Int. j. of Social Science and Economic Research, 4(1), 687-705. Retrieved from ijsser.org/more2019.php?id=54 Chicago O, OMOLE, OLUYOMI., and DR. (MRS.) N. T. IWUEKE. "ASSESSMENT OF THE LEVEL OF AWARENESS AND FACTORS AFFECTING ENROLMENT FOR HEALTH INSURANCE SCHEME AMONGST UNIVERSITY STAFF IN ENUGU STATE, NIGERIA." Int. j. of Social Science and Economic Research 4, no. 1 (January 2019), 687-705. Accessed January, 2019. ijsser.org/more2019.php?id=54.
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Abstract: This study assessed the Level of Awareness and factors affecting Enrollment for Health Insurance Scheme amongst University Staff in Enugu State, Nigeria. The objectives of this study were (a) to examine the level of awareness of health insurance scheme amongst university staff in Enugu state (b) to examine the level of enrollment of health insurance scheme amongst university staff in Enugu state (c) to examine the mode of healthcare financing amongst university staff in Enugu state (d) to examine factors affecting enrolment of health insurance scheme amongst university staff in Enugu state. Three universities were selected purposively for this study using the following criteria: one Federal, one State and one Private University. Namely these were: University of Nigeria (UNN), Enugu State University of Science and Technology (ESUT), and Renaissance University (RNU), all in Enugu state. The population size of the three Universities in 2018 was 4056 University staff, while the sample size for this study was 200 University staff selected proportionately from each of the three Universities. Thus, ESUT contributed 91, UNN contributed 75 and RNU contributed 34 respondents that make up the sample population of 200 university staff for this study. This figure (5%) is in accord with Nworgu (2006), that a sample size of about 5% of population is appropriate for such a study. Data for the study were collected using structured questionnaires randomly and administered as well as Data collected were analyzed and presented in frequency tables and bar charts. ANOVA was used to test the hypothesis that; there is no significant difference in the level of awareness and the level of enrollment of health insurance scheme amongst University staff in Enugu State at 0.05 level of significance. The results showed that although there is a high level of awareness about health insurance scheme amongst the university staff in Enugu State, the level of utilization of health insurance scheme is still very low amongst the Universities staff in Enugu State. The reasons were (a) due to inadequate understanding of how the scheme functions (b) health insurance is not mandatory amongst University Staff. The mode of healthcare financing amongst university staff was largely out-of-pocket payments. The University staff were strongly of the opinion that Lack of compulsory government insurance policy, inadequate spatial distribution of healthcare facilities, Lack of sensitization workshop by health insurance providers, inadequate knowledge of the potential benefits, mode of operation of the scheme, Location and relative distance of accredited health insurance scheme to users were some of the factors affecting enrollment and utilization of health insurance scheme amongst university staff in Enugu state. Therefore, the research recommends a massive and far reaching enlightenment workshop to educate the University Staff in Enugu State on how the scheme functions and the benefits there in. Also compulsory enrollment into health insurance scheme should be instituted for all university staff in Enugu state. This will further increase the level of enrollment and by implication reduce out-of pocket expenditure on healthcare amongst staff.

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