Willingness to Pay For Community Health Insurance and its Determinants among Household Heads in Rural Communities of Ilorin South Local Government Area

摘要

Background: Willingness to pay data are rarely collected or used as part of designing health insuranceschemes in developing countries. The objective of this study was to assess household heads’ willingness to payfor community health insurance and its determinants in rural communities of Ilorin South Local GovernmentArea of Kwara State.Methodology: It was a descriptive cross-sectional study carried out among household heads in ruralcommunities of Ilorin South Local Government Area of Kwara State. Sample size of 360 was determined usingFishers formula and multistage sampling technique was used to select respondents. Semi structured intervieweradministered questionnaire was used and data analysis was done using Epi-info version 3.4.1. Frequency tablesand cross-tabulations were generated with a p-value pre-determined at less than 0.05.Results: The mean Willingness to Pay was 522.0 + 266.3 Naira and the allowable range for fixingpremium is between 250 naira and 1,200 naira. The factors that affect Willingness to pay were age, sex,educational attainment, income, household size, and past health expenditure of household heads.Conclusion: The amount of premium that should be fixed for Community Health Insurance in theserural communities should range between 250 naira to 1,200 naira and a mechanism should be worked out suchthat there will be differential payment based on the age, sex, educational attainment, income, and household sizein the registration for Community Health Insurance.