The Role of Trust in the Pattern of Enrollment to a Social Health Insurance Scheme and Distribution of Healthcare Facilities in Ibadan, Southwest Nigeria

David A. Adewole Department of Health Policy and Management, Faculty of Public Health, College of Medicine, University of Ibadan, Ibadan, Nigeria;
Department of Public Health & Family Medicine, Division of Public Health Medicine, University of Cape Town, Cape Town, South Africa;

Search for other papers by David A. Adewole in
Current site
Google Scholar
PubMed
Close
,
Steve Reid Primary Health Care Directorate, Faculty of Health Sciences, University of Cape Town, Cape Town, South Africa;

Search for other papers by Steve Reid in
Current site
Google Scholar
PubMed
Close
, and
Tolu Oni Medical Research Council Epidemiology Unit, University of Cambridge, Cambridge, United Kingdom;
Department of Public Health & Family Medicine, Division of Public Health Medicine, University of Cape Town, Cape Town, South Africa

Search for other papers by Tolu Oni in
Current site
Google Scholar
PubMed
Close
Restricted access

ABSTRACT.

The National Health Insurance Scheme (NHIS) of Nigeria established in the year 2005 aims to minimize the inequity of access to quality healthcare services in Nigeria. As of the year 2017, enrollment in NHIS-accredited facilities in the southwest region of Nigeria was significantly clustered, with more than three-quarters of NHIS enrollees registered with only 10% of the available NHIS-accredited facilities in the six states of the region. This study explored the factors associated with the skewed distribution of enrollees across facilities and the influence of stakeholders. This is a descriptive, qualitative, case study design among stakeholders of the NHIS in Ibadan, Oyo State, Southwest, Nigeria. In-depth interviews were conducted between March and June, 2019, with all selected individual stakeholders as listed earlier. Data analysis was done using an inductive thematic approach. Across the board, there was a low level of trust in government and government policies among healthcare providers and enrollees. Few healthcare providers were willing to render services under the scheme at inception. The majority of the enrollees were compelled to register with the few available healthcare providers. Among the enrollees, a few personally chose healthcare facilities and providers that were perceived to render better quality services to receive care. Priority should be given to building trust among stakeholders in the NHIS as this would facilitate cooperation and better working relationship, and reposition the scheme for better performance.

    • Supplemental Materials (DOCX 24 KB)

Author Notes

Address correspondence to David Ayobami Adewole, Department of Health Policy and Management, Faculty of Public Health, College of Medicine, University of Ibadan, Nigeria, and Department of Public Health & Family Medicine, Division of Public Health Medicine, University of Cape Town, Cape Town, South Africa. E-mail: adwdav001@myuct.ac.za

Disclosure: Ethical approval to conduct study was sought and obtained at the Oyo State Ethical Review Committee, Ref. No. AD 13/479/596. Likewise, the research was approved by the Ethics Committee of the University of Cape Town, South Africa, HREC REF 536/2018. The design of the work conforms to standards currently applied in Nigeria. Study participants’ consent was sought and obtained. The datasets used and/or analyzed during the current study are available from the corresponding author on reasonable request.

Authors’ addresses: David A. Adewole, Department of Health Policy and Management, Faculty of Public Health, College of Medicine, University of Ibadan, Nigeria, and Department of Public Health & Family Medicine, Division of Public Health Medicine, University of Cape Town, Cape Town, South Africa, E-mail: adwdav001@myuct.ac.za. Steve Reid, Primary Health Care Directorate, Faculty of Health Sciences, University of Cape Town, Cape Town, South Africa, E-mail: steve.reid@uct.ac.za. Tolu Oni, Medical Research Council Epidemiology Unit, University of Cambridge, Cambridge, United Kingdom, and Division of Public Health Medicine, School of Public Health and Family Medicine, University of Cape Town, Cape Town, South Africa, E-mail: tolu.oni@mrc-epid.com.ac.uk.

  • 1.

    Adewole DA, Osungbade KO, 2016. Nigeria National Health Insurance Scheme: a highly subsidized health care program for a privileged few. Int J Trop Dis Health 19: 1–11.

    • PubMed
    • Search Google Scholar
    • Export Citation
  • 2.

    Federal Ministry of Health Nigeria , 2014. Strategic Review of Nigeria’s National Health Insurance Scheme. Abuja, Nigeria: Federal Ministry of Health.

  • 3.

    Carrin G et al., 2007. Health financing reform in Kenya–assessing the social health insurance proposal. S Afr Med J 97: 130.

  • 4.

    Carrin G, James C, 2005. Social health insurance: key factors affecting the transition towards universal coverage. Int Soc Secur Rev 58: 45–64.

  • 5.

    Nsanzimana S, Prabhu K, McDermott H, Karita E, Forrest JI, Drobac P, Farmer P, Mills EJ, Binagwaho A, 2015. Improving health outcomes through concurrent HIV program scale-up and health system development in Rwanda: 20 years of experience. BMC Med 13: 216.

    • PubMed
    • Search Google Scholar
    • Export Citation
  • 6.

    Nyandekwe M, Nzayirambaho M, Baptiste Kakoma J, 2014. Universal health coverage in Rwanda: dream or reality. Pan Afr Med J 17: 232.

  • 7.

    Saksena P, Antunes AF, Xu K, Musango L, Carrin G, 2011. Mutual health insurance in Rwanda: evidence on access to care and financial risk protection. Health Policy (Amsterdam, Netherlands) 99: 203–209.

    • PubMed
    • Search Google Scholar
    • Export Citation
  • 8.

    Alhassan RK, Nketiah-Amponsah E, Arhinful DK, 2016. A review of the National Health Insurance Scheme in Ghana: what are the sustainability threats and prospects? PLOS ONE 11: e0165151.

    • PubMed
    • Search Google Scholar
    • Export Citation
  • 9.

    Odeyemi I, 2014. Community-based health insurance programmes and the national health insurance scheme of Nigeria: challenges to uptake and integration. Int J Equity Health 13: 20.

    • PubMed
    • Search Google Scholar
    • Export Citation
  • 10.

    Peters DH, Garg A, Bloom G, Walker DG, Brieger WR, Hafizur Rahman M, 2008. Poverty and access to health care in developing countries. Ann N Y Acad Sci 1136: 161–171.

    • PubMed
    • Search Google Scholar
    • Export Citation
  • 11.

    Yao J, Agadjanian V, 2018. Bypassing health facilities in rural Mozambique: spatial, institutional, and individual determinants. BMC Health Serv Res 18: 1006.

  • 12.

    Braithwaite J, 2018. Changing how we think about healthcare improvement. BMJ 361: k2014.

  • 13.

    Fiala TG, 2012. What do patients want? Technical quality versus functional quality: a literature review for plastic surgeons. Aesthet Surg J 32: 751–759.

    • PubMed
    • Search Google Scholar
    • Export Citation
  • 14.

    Sheikh K, Gilson L, Agyepong IA, Hanson K, Ssengooba F, Bennett S, 2011. Building the field of health policy and systems research: framing the questions. PLoS Med 8: e1001073.

    • PubMed
    • Search Google Scholar
    • Export Citation
  • 15.

    Carrin G, 2002. Social health insurance in developing countries: a continuing challenge. Int Soc Secur Rev 55: 57–69.

  • 16.

    Gilson L, 1982, 2005. Editorial: building trust and value in health systems in low- and middle-income countries. Soc Sci Med 61: 1381–1384.

  • 17.

    Okello DR, Gilson L, 2015. Exploring the influence of trust relationships on motivation in the health sector: a systematic review. Hum Resour Health 13: 16.

  • 18.

    Robinson CA, 2016. Trust, health care relationships, and chronic illness: a theoretical coalescence. Glob Qual Nurs Res 3: 2333393616664823. doi: 10.1177/2333393616664823.

    • PubMed
    • Export Citation
  • 19.

    Ward PR, Miller E, Pearce AR, Meyer SB, 2016. Predictors and extent of institutional trust in government, banks, the media and religious organisations: evidence from cross-sectional surveys in six Asia-Pacific countries. PLOS ONE 11: e0164096.

    • PubMed
    • Search Google Scholar
    • Export Citation
  • 20.

    Armstrong K, 2008. Differences in the patterns of health care system distrust between blacks and whites. J Gen Intern Med 23: 827–833.

  • 21.

    Gilson L, 2003. Trust and the development of health care as a social institution. Soc Sci Med 56: 1453–1468.

  • 22.

    Groenewegen PP, Hansen J, de Jong JD, 2019. Trust in times of health reform. Health Policy (Amsterdam, Netherlands) 123: 281–287.

  • 23.

    Ward PR, Rokkas P, Cenko C, Pulvirenti M, Dean N, Carney AS, Meyer S, 2017. ‘Waiting for’ and ‘waiting in’ public and private hospitals: a qualitative study of patient trust in South Australia. BMC Health Serv Res 17: 333.

    • PubMed
    • Search Google Scholar
    • Export Citation
  • 24.

    Ozawa S, Sripad P, 2013. How do you measure trust in the health system? A systematic review of the literature. Soc Sci Med 91: 10–14.

  • 25.

    Bes RE, Wendel S, Curfs EC, Groenewegen PP, de Jong JD, 2013. Acceptance of selective contracting: the role of trust in the health insurer. BMC Health Serv Res 13: 375.

    • PubMed
    • Search Google Scholar
    • Export Citation
  • 26.

    Wilk AS, Platt JE, 2016. Measuring physicians’ trust: a scoping review with implications for public policy. Soc Sci Med 165: 75–81.

  • 27.

    World Medical Association, Declaration of Helsinki , 2013. Ethical Principles for Medical Research Involving Human Subjects. Available at: http://www.health.uct.ac.za/fhs/research/humanethics/links. Accessed March 21, 2021.

    • PubMed
    • Export Citation
  • 28.

    Braun V, Clarke V, 2006. Using thematic analysis in psychology. Qual Res Psychol 3: 77–101.

  • 29.

    Lincoln YS, Guba EG, 1986. But is it rigorous? Trustworthiness and authenticity in naturalistic evaluation. New Dir Program Eval 1986: 73–84.

  • 30.

    Olayiwola L, Adeleye O, 2005. Rural infrastructural development in Nigeria: between 1960 and 1990–problems and challenges. J Soc Sci 11: 91–96.

  • 31.

    Onoka C, Onwujekwe O, Uzochukwu B, Ezumah N, 2013. Promoting universal financial protection: constraints and enabling factors in scaling up coverage with social health insurance in Nigeria. Health Res Policy Syst 11: 20.

    • PubMed
    • Search Google Scholar
    • Export Citation
  • 32.

    Karra M, Fink G, Canning D, 2016. Facility distance and child mortality: a multi-country study of health facility access, service utilization, and child health outcomes. Int J Epidemiol 46: 817–826.

    • PubMed
    • Search Google Scholar
    • Export Citation
  • 33.

    Victoor A, Delnoij DM, Friele RD, Rademakers JJ, 2012. Determinants of patient choice of healthcare providers: a scoping review. BMC Health Serv Res 12: 1.

  • 34.

    Victoor A, Noordman J, Sonderkamp JA, Delnoij DM, Friele RD, van Dulmen S, Rademakers JJ, 2013. Are patients’ preferences regarding the place of treatment heard and addressed at the point of referral: an exploratory study based on observations of GP-patient consultations. BMC Fam Pract 14: 189.

    • PubMed
    • Search Google Scholar
    • Export Citation
  • 35.

    Williamson LD, Bigman CA, 2018. A systematic review of medical mistrust measures. Patient Educ Couns 101: 1786–1794.

  • 36.

    Rosenthal E, 2006. HIV injustice in Libya–scapegoating foreign medical professionals. N Engl J Med 355: 2505–2508.

  • 37.

    Maxmen A, 2019. Exclusive: behind the front lines of the Ebola wars. Nature 573: 178–183.

  • 38.

    Ghinai I, Willott C, Dadari I, Larson HJ, 2013. Listening to the rumours: what the northern Nigeria polio vaccine boycott can tell us ten years on. Glob Public Health 8: 1138–1150.

    • PubMed
    • Search Google Scholar
    • Export Citation
  • 39.

    Jegede AS, 2007. What led to the Nigerian boycott of the polio vaccination campaign? PLoS Med 4: e73.

  • 40.

    Qian D, Lucas H, Chen J, Xu L, Zhang Y, 2010. Determinants of the use of different types of health care provider in urban China: a tracer illness study of URTI. Health Policy (Amsterdam, Netherlands) 98: 227–235.

    • PubMed
    • Search Google Scholar
    • Export Citation
  • 41.

    Akin JS, Hutchinson P, 1999. Health-care facility choice and the phenomenon of bypassing. Health Policy Plan 14: 135–151.

  • 42.

    Habtom GK, Ruys P, 2007. The choice of a health care provider in Eritrea. Health Oolicy (Amsterdam, Netherlands) 80: 202–217.

  • 43.

    Anselmi L, Lagarde M, Hanson K, 2015. Health service availability and health-seeking behaviour in resource poor settings: evidence from Mozambique. Health Econ Rev 5: 62.

    • PubMed
    • Search Google Scholar
    • Export Citation
  • 44.

    Stock R, 1983. Distance and the utilization of health facilities in rural Nigeria. Soc Sci Med 17: 563–570.

  • 45.

    Odetola TD, 2015. Health care utilization among rural women of child-bearing age: a Nigerian experience. Pan Afr Med J 20: 151.

  • 46.

    Amaghionyeodiwe LA, 2008. Determinants of the choice of health care provider in Nigeria. Health Care Manag Sci 11: 215–227.

  • 47.

    Michael GC, Aliyu I, Grema BA, Suleiman AK, 2019. Perception of factors influencing primary health-care facility choice among National Health Insurance enrollees of a northwest Nigerian hospital. J Patient Exp 6: 247–252.

    • PubMed
    • Search Google Scholar
    • Export Citation
  • 48.

    Ayede A, 2012. Persistent mission home delivery in Ibadan: attractive role of traditional birth attendants. Ann Ib Postgrad Med 10: 22–27.

  • 49.

    Meyer SB, Mamerow L, Taylor AW, Henderson J, Ward PR, Coveney J, 2013. Demographic indicators of trust in federal, state, and local government: implications for Australian health policymakers. Australian Health Review: A Publication of the Australian Hospital Association 37: 11–18.

    • PubMed
    • Search Google Scholar
    • Export Citation
  • 50.

    Ezezika OC, 2016. Building trust: a critical component of global health. Ann Glob Health 81: 589–592.

  • 51.

    Chukwuma A, Bossert TJ, Croke K, 2019. Health service delivery and political trust in Nigeria. SSM Popul Health 7: 100382.

  • 52.

    Croke K, 2017. The Impact of Mass Bed Net Distribution Programs on Politics: Evidence from Tanzania. Washington, DC: World Bank Policy Research Working Paper, 7963.

    • PubMed
    • Export Citation
  • 53.

    Fried BJ, Venkataramani A, 2017. Does Saving Lives Win Votes? Evaluating the Electoral Consequences of Providing Clean Water in Mexico (October 31, 2017). Available at: http://dx.doi.org/10.2139/ssrn.3062625.

    • PubMed
    • Export Citation
  • 54.

    Binagwaho A et al., 2014. Rwanda 20 years on: investing in life. Lancet 384: 371–375.

  • 55.

    Davies GL, 1943. The BMA and the Beveridge Report. Br Med J 1: 266.

Past two years Past Year Past 30 Days
Abstract Views 1006 322 16
Full Text Views 214 44 1
PDF Downloads 149 11 1
 
 
 
 
Affiliate Membership Banner
 
 
Research for Health Information Banner
 
 
CLOCKSS
 
 
 
Society Publishers Coalition Banner
Save