LASU Journal of Employment Relations and Human Resource Management
(LJERHRM)
ISSN: 2705-3482
Volume 5, No. 1, 2025
Pages 43-62
DOI: 10.36108/ljerhrm/5202.50.0140
National Health Insurance Scheme awareness, accessibility, affordability, and patronage among selected Lagos State Owned Healthcare Facilities’ Patients
Salami Issa AFEGBUA1, Sunday Stephen AJEMUNIGBOHUN2 & Victoria Opeyemi HUNGA1
1Department of Public Administration, Faculty of Management Sciences, Lagos State University, Lagos, Nigeria
2Department of Insurance, Faculty of Management Sciences, Lagos State University, Ojo, Lagos, Nigeria
sunday.ajemunigbohun@lasu.edu.ng
Abstract
The study explored the nexus between National Health Insurance Scheme awareness, accessibility, affordability and patronage among selected patients in Lagos State-owned Healthcare Facilities. It examines how effectively and efficient is NHIS is contributing to a safer patient’s life. The study adopted a structured questionnaire, with data collected from 151 respondents. The study employed a cross-sectional survey design cum double sampling comprised of purposive and convenience. The research utilised both qualitative and quantitative methods to gather evidence from selected patients in the Lagos State owned Healthcare Facilities. The data analytical techniques employed were descriptive and inferential statistics, which comprised of simple frequency percentages and simple regression techniques. Findings from the study revealed a positive nexus between NHIS awareness, accessibility, affordability and its patronage among selected patients in Lagos State owned healthcare facilities. The study recommended that routine risk assessment within healthcare facilities to be able to identify potential hazards among patients and the hospital environments. The Lagos State Owned Healthcare Facilities should ensure effective and efficient utilization of the NHIS as a focal point to dampening the out-of-payment stress that are usually being experienced by hospital patients. The hospital management should ensure that technology is embraced to facilitate the usage of NHIS as full-time payment plan for all patients within the hospital. Insurance companies, especially, life insurers should ensure that there exists collaboration between them and the various healthcare facilities in Lagos State to enrich the patient’s knowledge and accessibility of NHIS and its affordability.
Keywords: NHIS awareness, accessibility, affordability, patronage, Lagos State Healthcare Facilities