Document Type : Original Article
Authors
1
Department of Agricultural Economics &Agribusiness, FUD, Dutse, Jigawa State, Nigeria
2
Department of Agricultural Economics, SKRAU, Bikaner, India
3
Department of Agricultural Economics and Extension, BUK, Kano, Nigeria
4
Department of Agricultural Extension & Rural Development, FUD, Dutse, Nigeria
Abstract
The research aims at determining rural households' willingness to pay (WTP) for health insurance in Bauchi State, Nigeria. Using an easy-cost route approach, cross-sectional data were elicited by a well-structured questionnaire coupled with an interview schedule from a total of 319 households selected through a multi-stage random sampling technique. Besides, the collected data were subjected to descriptive and inferential statistics to achieve the specified objectives. Empirically, malaria and typhoid were the major morbidities affecting the households and, on average, cost a household an economically large sum of N70,944.70 per month. Consequently, though marginally above half of the sampled households, the majority showed interest in social health insurance to access better healthcare services. However, the premium rate is a portent threat to the scheme's sustainability, as evident by its inverse relationship with WTP. Thus, a low premium rate at takeoff is suggested, pending the beneficial impact of the scheme manifested in the lives of the majority in the study area. Besides, old age, poor agricultural holdings, and lack of credit facilities were the stumbling blocks to WTP for health insurance in the study area. Therefore, the study advises policymakers to improve social safety health coverage for old-aged households and provide adequate credit facilities leverage for income generation, thus enhancing the scope and sustainability of social health insurance in the study area.
Keywords
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