Health Insurance: Factors Influencing the Utilization of Health Insurance Schemes by Medical Doctors in Lagos State, South-West Nigeria

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Discussion

Cross-sectional study reveals awareness and factors affecting health insurance utilization in doctors, indicating improvement needs.

Utilization of health insurance schemes among doctors was significantly influenced by factors like prolonged waiting time and poor attitude of healthcare workers.
About 89.7% of respondents felt that insurance schemes do not cover some essential healthcare services, impacting overall utilization.
The cross-sectional descriptive study surveyed 300 medical doctors selected via multi-stage sampling in Mushin LGA, highlighting awareness and barriers.
Identified factors such as substandard drugs and stringent terms suggest the need for stakeholders to enhance health insurance offerings.

Chukwuezie et al. (2025) studied this question.

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