Impact of Community Health Insurance Policy on Mutual Health Associations in Kogi West and East Senatorial Districts

Abstract

This study examines the impact of the Community-Based Health Insurance (CBHI) scheme on pregnant women and children under five in Kogi West and East Senatorial Districts, Nigeria. Using secondary data, field interviews, and observations, the research highlights that maternal and child healthcare services are insufficient due to inconsistent government interventions through CBHI. Findings reveal a low level of awareness about the scheme among informal sector populations due to insufficient health information dissemination by programme managers and the NHIS. While the CBHI has improved access to healthcare for some beneficiaries, challenges such as poor road infrastructure, inadequate healthcare facilities, and long waiting times have hindered its effective utilisation. Furthermore, the scheme has had limited impact on improving the social lives of beneficiaries and environmental health, although it has contributed to infrastructural development in some areas. The study concludes that the CBHI scheme is a promising strategy for improving health outcomes and reducing out-of-pocket healthcare expenses in Kogi State. However, its full potential remains unrealised due to infrastructural deficits, poor accessibility, and insufficient awareness among target beneficiaries. To address these gaps, it is recommended that the government and stakeholders intensify awareness campaigns, prioritise the quality of healthcare services for vulnerable groups, and establish a robust monitoring and evaluation system to ensure transparency and efficiency.