Factors affecting utilization of the national health insurance scheme by federal civil servants in Rivers State, Nigeria
This study assessed the utilization of health care and associated factors amongst the federal civil servants using the NHIS in Rivers state, Nigeria. It is a descriptive cross-sectional study using self-administered questionnaires. Findings show that out of a total of 334 respondents, 83.8 per cent were enrolled for NHIS of which 72.5 per cent utilized the services of the scheme. This shows a higher unitisation rate. Although, 43.9 per cent of the respondents made payments at a point of access to health care services, overall there was a reduction in out-of- pocket payment. Possession of NHIS card, the attitude of health workers, and patients’ satisfaction were found to significantly affect utilization in the state.
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