Administrative Responsibilities of Community-Funded Health Insurance Scheme in Nigeria

Abstract

Access to quality healthcare in Nigeria remains a major problem for over 70% of the population living in rural areas and a good number in semi-urban towns. Health insurance may bring quality healthcare closer to the populace at an affordable rate since it allows for cross-subsidization of the poor by the rich and the sick by the healthy. We have reviewed pilot schemes of government initiated programme (National Health Insurance Scheme) and a Non-governmental Organization initiated programme (Ndo Nwanne Health Insurance Scheme, Enugu) and propose a model for Community-funded health insurance in Nigeria.


Key Words: Adverse selection, Community, Capitation, Insurance.


Nig. Medical Practitioner Vol. 45(3) 2004: 26-28