Awareness and Willingness to pay for community based health insurance scheme in North-Western Nigeria.

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Islamic Azad University


There is a need for the communities to develop their health fnancing system, especially those that were not covered by the National Health Insurance Scheme (NHIS). This will give the people an opportunity to fnance their medical care which in turn would alleviate fnancial burden at the point of treatment. Therefore, this study is aimed to determine the level of awareness of Community-Based Health Insurance Scheme (CBHIS) among communities and to measure the degree of willingness to pay for the scheme in Katsina, North-Western Nigeria. Semi-structured interviewer-assisted questionnaires were used to collect information from the respondents. Statistical analyses were performed using SPSS version 20.0. The results indicate that majority of the respondents attained the tertiary level of education (68.3%) and 81.1% were employed. About 74.2% were earning more than the Nigerian minimum wage N18, 000 (≈$59). About 52.2% of the respondents were aware of the CBHIS. And 81% were willing to pay a premium while 62.2% will pay between N 1, 000 – 5, 000 (≈$3.3-$16.4). There was a strong signifcant relationship between monthly income and knowledge of CBHIS (p = < 0.0001). However, gender and educational level were not signifcantly associated with the knowledge of CBHIS. Awareness about CBHIS was not suffciently adequate but a signifcant number of the respondents were willing to pay for CBHIS after learning about the scheme. Factors such as level of education and income levels were found to have a positive effect on willingness to pay.



Willingness to pay, Awareness, Community Based Health insurance, Healthcare fnancing, Household head


Giwa A, Kabir M, Umar I, Suleiman HH, Lawal BK (2018): Awareness and Willingness to pay for community based health insurance scheme in North-Western Nigeria. Journal of Pharmaceutical and Health Sciences. 6(2); 139-147, Published by Islamic Azad University