A comprehensive plan is needed to address the alarming maternal and child mortality rates in Nigeria and work towards achieving the global target of reducing maternal mortality ratio to less than 70 per 100,000 live births before 2030. Facts!
Currently, 5 out of every 10 Nigerian women are at risk of losing their lives and their babies during childbirth, exacerbated by financial burdens due to lack of health insurance coverage.
UNICEF states that the high costs associated with medical treatment discourage individuals and families from seeking timely and necessary healthcare services, thus increasing the risk of child mortality.
Despite the prevalence of health complications during childbirth, only 17 percent of Nigerian adults have access to health insurance, according to a recent online poll.
The National Health Insurance Scheme (NHIS) has been available since 2006, yet coverage remains remarkably low.
For instance, in Oyo State, less than 10 percent of residents are insured, despite the numerous benefits associated with existing state insurance schemes.
Learn From Oyo state
One such program in Oyo State is the community business insurance program, where communities pool resources to provide insurance coverage for each family, thereby alleviating financial burdens and psychological trauma during emergencies.
Health professionals, like Iretioluma Bamtefa from the Oyo State Insurance Agency, emphasize that health insurance is an investment in the future, shielding individuals from the financial devastation of unexpected health crises.
She says contrary to misconceptions, health insurance is not a luxury but a necessity, as the average Nigerian is only one illness away from poverty. By accessing quality healthcare services through insurance, individuals can safeguard their health and enhance their overall well-being.
Residents of Nigerian State are encouraged to take advantage of available insurance options to protect themselves and their families.
Why Health Insurance Is Important
1. Financial Protection: Health insurance provides financial protection against unexpected medical expenses, including hospitalization, surgeries, medications, and treatments. Without insurance, individuals may face significant financial burden or even bankruptcy due to high healthcare costs.
2. Access to Healthcare: Health insurance ensures access to necessary healthcare services, including preventive care, routine check-ups, screenings, and specialist consultations. Having insurance encourages individuals to seek timely medical attention, leading to better health outcomes.
3. Preventive Care: Many health insurance plans cover preventive services such as vaccinations, screenings, and wellness exams at little to no cost. Regular preventive care helps detect health issues early, preventing more serious conditions and reducing long-term healthcare costs.
4. Chronic Disease Management: Health insurance supports ongoing management and treatment of chronic conditions such as diabetes, hypertension, and asthma. Continuous access to medications, specialist care, and support services improves quality of life and reduces the risk of complications.
5. Peace of Mind: Health insurance provides peace of mind, knowing that you and your loved ones are covered in case of illness or injury. It alleviates stress and worry about healthcare expenses, allowing individuals to focus on their health and well-being.
6. Legal Requirement: In many countries, having health insurance is a legal requirement. Failure to obtain insurance may result in penalties or fines, making it essential for compliance with regulations.
Health insurance is essential for protecting both physical and financial well-being, ensuring access to quality healthcare services, and providing peace of mind for individuals and families.
