1.0 INTRODUCTION
This research work is a protection into the future of National health insurance scheme; financing through insurance in Nigeria. This work will serve as a survey on how Nigerians in general will react towards the operation of National health insurance scheme. Many researchers have made numerous proposals on how the scheme should be operated, but now the scheme has started. It will be proper to examine the market reactions, acceptability and its effect on the economy.
Moreover since the Logan “health care for all by the year 2000” is within its reality, it is felt that for such to be achieved, National health insurance scheme should take place. And the government, ministry of health and the general public should control the scheme. It has been noted that health insurance is more advanced and modern alternative to the tax-financed.
Nat with standing, this work gave a view of what National health insurance is, its forms, its benefits and other important aspects that will put a layman through on what National health insurance is. It was noticed that as government has taken up the scheme, it will encounter a lot of challenges and difficulties. This research work included recommendations on how the government could subdue such difficulties and challenges of health are delivery.
1.1 BACKGROUND OF STUDY
Since 1981 when the Nigerian medical Association held a conference in Calabar and Dr. E.M Umez Sroums delivered aa paper on “National health insurance” A practical approach to health care financing in a developing economy. He said that there has been growing need for National health insurance scheme in Nigeria. This issue has engaged the attention of medical doctors, insurance executive, the federal government of Nigeria, and Nigerian Newspapers which have carried a member of headlines on the topic.
But now the scheme has become a reality. The federal government lunched the scheme on 6th June 2005. Base on the establishment of the scheme, the purpose of providing health insurance which shall entitle insured persons and their dependents the benefit of prescribed good quality and cost effective health services as set out in this Decree. That is Decree of 2000. The body established for the management of the scheme are:
A governing council which shall subject to the decree, which has general control of the scheme. The council shall consist of the following members:
The chairman who shall be appointed by the head of state. Commander in chief of minister of health. Others are: each person to represent ministry of health, fiancé, government of the federation, Nigeria labour congress, N.E.C.A, private health care provided to carryout a research on this subject in order to highlight the problems militating against the scheme or problems which the scheme will face. Its prospects and make recommendations which will ensure the success of the scheme here in Nigeria.
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