首页> 美国卫生研究院文献>International Journal of Health Policy and Management >National health insurance scheme: how protected are households in Oyo State Nigeria from catastrophic health expenditure?
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National health insurance scheme: how protected are households in Oyo State Nigeria from catastrophic health expenditure?

机译:国家健康保险计划:尼日利亚奥约州的家庭如何免受灾难性健康支出的影响?

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摘要

>Background: The major objective of the National Health Insurance Scheme (NHIS) in Nigeria is to protect families from the financial hardship of large medical bills. Catastrophic Health Expenditure (CHE) is rampart in Nigeria despite the take-off of the NHIS. This study aimed to determine if households enrolled in the NHIS were protected from having CHE. >Methods: The study took place among 714 households in urban communities of Oyo State. CHE was measured using a threshold of 40% of monthly non-food expenditure. Descriptive statistics were done, Principal Component Analysis was used to divide households into wealth quintiles. Chi-square test and binary logistic regression were done. >Results: The mean age of household respondent was 33.5 years. The median household income was 43,500 naira (290 US dollars) and the range was 7,000–680,000 naira (46.7–4,533 US dollars) in 2012. The overall median household healthcare cost was 890 naira (5.9 US dollars) and the range was 10-17,700 naira (0.1–118 US dollars) in 2012. In all, 67 (9.4%) households were enrolled in NHIS scheme. Healthcare services was utilized by 637 (82.9%) and CHE occurred in 42 (6.6%) households. CHE occurred in 14 (10.9%) of the households in the lowest quintile compared to 3 (2.5%) in the highest wealth quintile (P= 0.004). The odds of CHE among households in lowest wealth quintile is about 5 times. They had Crude OR (CI): 4.7 (1.3–16.8), P= 0.022. Non enrolled households were two times likely to have CHE, though not significant >Conclusion: Households in the lowest wealth quintiles were at higher risk of CHE. Universal coverage of health insurance in Nigeria should be fast-tracked to give the expected financial risk protection and decreased incidence of CHE.
机译:>背景:尼日利亚国家健康保险计划(NHIS)的主要目标是保护家庭免受大额医疗费用的经济困扰。尽管NHIS起飞,但灾难性的医疗保健支出(CHE)在尼日利亚仍是门坎。这项研究旨在确定参加NHIS的家庭是否受到CHE的保护。 >方法:该研究在奥约州城市社区的714户家庭中进行。 CHE是使用每月非食品支出的40%作为阈值来衡量的。完成描述性统计,使用主成分分析将家庭划分为财富五分位数。进行卡方检验和二元逻辑回归。 >结果:家庭受访者的平均年龄为33.5岁。 2012年,家庭收入中位数为43,500奈拉(290美元),范围为7,000-680,000奈拉(46.7-4,533美元)。家庭医疗保健总费用中值为890奈拉(5.9美元),范围为10- 2012年,这个数字为17,700奈拉(0.1–118美元)。总共有67个(9.4%)家庭加入了NHIS计划。 637(82.9%)人使用了医疗保健服务,有42(6.6%)户发生了CHE。 CHE发生在最低五分位数的14个家庭中(10.9%),而最高财富五分位数的3个家庭(2.5%)发生了(P = 0.004)。财富最低的五分之一家庭中CHE的几率约为5倍。他们的原始OR(CI):4.7(1.3-16.8),P = 0.022。未登记家庭中有CHE的可能性是其两倍,尽管意义不大。>结论:处于最低财富五分位的家庭拥有CHE的风险较高。应快速跟踪尼日利亚的健康保险的全民覆盖范围,以提供预期的财务风险保护并降低CHE的发生率。

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