Perception, Acceptability, and Satisfaction with the Contributory Health Insurance among Enrollees in Yobe State, Nigeria

The contributory health insurance scheme is a type of health insurance system where individuals contribute a portion of their income or pay regular premiums to a designated health insurance fund. This pooled fund is then used to provide health insurance coverage and healthcare services to the enrolled members and their dependents. The study examined perception, acceptability, and satisfaction regarding the Contributory Health Insurance Scheme in Yobe State, Nigeria. A descriptive cross-sectional study was conducted among 410 YOSCHMA enrollees, selected through simple random sampling. Data was collected using an interviewer-administered questionnaire and analyzed using SPSS version 25. The study reveals that 37.3% of participants reported good satisfaction with health services, while 62.7% expressed poor satisfaction. 55.1% had a good perception of the scheme and 44.9% expressed a poor perception of the scheme. Most respondents (78.0%) found the scheme affordable and easy to enroll. Age was the only socio-demographic variable significantly associated with satisfaction. Shorter waiting times correlated with higher satisfaction. Respondents were generally satisfied with clinic facilities and doctor-patient interactions but expressed concerns about drug availability and service costs. While the scheme is perceived as beneficial and accessible, improvements are needed in drug availability through drug revolving fund, affordability, and expense coverage. The study highlights the importance of addressing beneficiary’s needs and reducing waiting times to enhance overall satisfaction.