Demand For Health Insurance Among Individual Households In Lagos State: Effects Of Socio - Demograhic Variables

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.