INSURANCE INVESTMENT PLANS COMMUNITY-BASED HEALTH INSURANCE IN NIGERIA

Adeyemi Olajide » community-based health insurance in Nigeria

Community-based health insurance (CBHI) is a type of health insurance scheme that is designed to provide affordable health insurance coverage to communities in low-income settings. In Nigeria, CBHI programs are often run by non-governmental organizations (NGOs) and community-based organizations (CBOs) that work closely with local communities to provide access to healthcare services.

CBHI programs in Nigeria typically operate on a not-for-profit basis, and are designed to provide coverage for basic healthcare services such as preventative care, maternity care, and treatment for common illnesses. These programs are often funded through a combination of community contributions and external donor support.

One example of a CBHI program in Nigeria is the Lagos State Community Health Insurance Scheme (LSCHIS), which was established in 2018 to provide affordable health insurance coverage to residents of Lagos State. The LSCHIS is operated by the Lagos State Health Management Agency, and offers a range of health insurance plans for individuals, families, and groups.

CBHI programs can be an effective way to increase access to healthcare services in low-income settings, particularly in areas where traditional health insurance options may not be available or affordable. However, CBHI programs can also face challenges, such as low enrollment and limited funding, that can impact their sustainability and ability to provide effective coverage over the long term.

Benefit of community-based health insurance.
Increased access to healthcare services: CBHI programs can help to increase access to healthcare services for communities that may otherwise not have access to basic healthcare services. By providing affordable health insurance coverage, CBHI programs can enable individuals and families to access preventative care, maternity care, and treatment for common illnesses.

Financial protection: CBHI programs can provide financial protection for individuals and families by reducing out-of-pocket payments for healthcare services. By pooling resources and spreading the risk across a larger group, CBHI programs can help to reduce the financial burden of healthcare costs.

Community involvement: CBHI programs are often run by NGOs and CBOs that work closely with local communities to design and implement the programs. This can help to build trust and increase community involvement in healthcare services, leading to improved health outcomes over the long term.

Sustainability: CBHI programs can be designed to be sustainable over the long term, particularly if they are based on community contributions and external donor support. By building a sustainable financing model, CBHI programs can continue to provide affordable health insurance coverage to communities over the long term.

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Author: adex3g 6 months
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