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ISSN-L: 2344 - 102X
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Article from Volume 5, Number 2, Year 2017| DEMAND FOR HEALTH INSURANCE AMONG INDIVIDUAL HOUSEHOLDS IN LAGOS STATE: EFFECTS OF SOCIO - DEMOGRAHIC VARIABLES | 
Download | | Author(s): Sunday Stephen Ajemunigbohun, Sunday Kunle Aduloju, Ashim Babatunde Soguro, Fatimo Titilope Azeez | | DOI: 10.4316/EJAFB.2017.522 | | 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 analysed 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 endeavour 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
Organisations should endeavour to implement flexible payment plans for participants in order to
improve participation of more individuals. | | Keywords: Health Insurance, Demand, Socio-economic, Demographic, Individual Households | References:
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