Abstract
This study assesses socio-demographic variables on the
demand for health insurance in Lagos State. For this
purpose, the researchers have been able to examine
selected socio-economic and demographic variables and
their effects on health insurance accessibility and desire of
individual households. The explanatory research design
was employed. A convenience sampling technique was
adopted. Data was gathered from individual households
within Alimosho and Ojo Local Government Areas of
Lagos State through the use of an interviewed schedule.
The sample consisted of 212 respondents made up of
individual households within the sample areas. Data
collected was analyzed using multiple regression
technique. The study was able to establish some level of
contributory linkage between selected socio-demographic
variables and demand for health insurance. The findings
show that while education and income both appeared to
have significant effect, gender and age both have positive
contributory effect. The study therefore recommends that
health insurance providers should endeavor to education
the larger society of the significance of health insurance
products to human existence. Secondly, a robust strategic
health insurance outlines should be designed to incorporate
the vulnerable ones in the society to ensure equality and
fairness in the provision of National Health Insurance
Scheme. Lastly, Health Maintenance Organizations should
endeavor to implement flexible payment plans for
participants in order to improve participation of more
individuals.
Ajemunigbohun, Sunday Stephen, Aduloju, Sunday Kunle, Sogunro, Ashim Babatunde, Azeez, Fatimo Titilope. (2017) Demand for Health Insurance among Individual Households in Lagos State, Nigeria: Effects of Socio-Demograhic Variables, Paradigms , Vol 11, Issue 2 .
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