Ocena gotowości wiejskich gospodarstw domowych do płacenia za ubezpieczenie zdrowotne w stanie Bauchi w Nigerii

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Sadiq Mohammed Sanusi
Ahmad Muhammad Makarfi


Słowa kluczowe : opieka zdrowotna, ubezpieczenie, zachorowalność, gospodarstwa domowe na obszarach wiejskich, Nigeria
Abstrakt
W przeciwieństwie do wcześniejszych badań nad rolnictwem, interdyscyplinarne badania wartości redukcji ryzyka dla zdrowia (VHRR), wartości statystycznego życia (VSL) i wartości statystycznego przypadku (VSC) są niezwykle rzadkie w Nigerii, a konkretnie na badanym obszarze. W świetle braku informacji w niniejszym badaniu prawdopodobnie wykorzystana zostanie metodologia VSL i VSC, w celu zajęcia się „transferem korzyści” w zakresie środowiskowego zmniejszenia ryzyka dla zdrowia związanego z zapadalnością w sektorze rolnym. W związku z tym badanie to miało na celu określenie gotowości wiejskich gospodarstw domowych do płacenia (WTP) za ubezpieczenie zdrowotne w stanie Bauchi w Nigerii. Korzystając z podejścia opartego na łatwych kosztach, dane przekrojowe uzyskano za pomocą dobrze skonstruowanego kwestionariusza połączonego z harmonogramem wywiadów z łącznie 319 gospodarstwami domowymi wybranymi za pomocą wieloetapowej techniki losowego doboru próby. Ponadto, aby osiągnąć określone cele, zebrane dane poddano statystyce zarówno opisowej, jak i indukcyjnej. Empirycznie, malaria i dur brzuszny były głównymi chorobami dotykającymi gospodarstwa domowe i średnio kosztowały gospodarstwo domowe sumę 70 944,70 NGN miesięcznie. W związku z tym większość, choć nieznacznie ponad połowa badanych gospodarstw domowych, wykazała zainteresowanie społecznym ubezpieczeniem zdrowotnym w celu uzyskania dostępu do lepszych usług opieki zdrowotnej. Stawka składki stanowi jednak zagrożenie dla trwałości programu, co widać po jego odwrotnej relacji z WTP, w związku z czym sugeruje się stawkę premii za karmienie łyżeczką przy starcie w oczekiwaniu na korzystny wpływ programu przejawiający się w życiu większości na badanym obszarze. Poza tym podeszły wiek, słabe gospodarstwa rolne i brak możliwości kredytowych były przeszkodami dla WTP w zakresie ubezpieczeń zdrowotnych na badanym obszarze. W związku z tym w badaniu doradzono decydentom, aby zaimprowizowali ubezpieczenie zdrowotne w zakresie bezpieczeństwa socjalnego dla gospodarstw domowych w podeszłym wieku i zapewnili odpowiednie instrumenty kredytowe – dźwignię finansową dla generowania dochodów, zwiększając w ten sposób zakres i trwałość ubezpieczeń społecznych w badanym obszarze.

Article Details

Jak cytować
Mohammed Sanusi, S., & Muhammad Makarfi, A. (2024). Ocena gotowości wiejskich gospodarstw domowych do płacenia za ubezpieczenie zdrowotne w stanie Bauchi w Nigerii. Ekonomika I Organizacja Logistyki, 9(1), 79–96. https://doi.org/10.22630/EIOL.2024.9.1.5
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