Growing up from a poor background with limited access to almost everything especially healthcare developed my passion for fighting to improve access to healthcare. Every visit to the hospital comes with an untold pain and hardship as my single mother had to go borrowing to offset medical bills. Often times, this comes with disappointment. No one told us about health insurance neither do we have one.
According to WHO, about 1.3 billion people globally have limited access to healthcare, while 100 million people are pushed into poverty and 150 million people suffer financial hardship because of out-of-pocket spending on health services. For a country like Nigeria with a growing population of about 180 million, access to healthcare services for millions of people is a luxury as over 100 million live below the poverty line (NBS, 2016). So it is not uncommon to see individuals and households struggle to pay Out-of-Pocket (OOP) for essential health services, delay care, borrow, use their savings or sell their properties in order to offset medical bills. Sometimes they pay with their lives. People shouldn’t have to choose between staying alive or die of preventable death as a result of healthcare cost. It is inhumane and unjust; as health should be a human right and not a privilege. As it stands, health insurance coverage in Nigeria through the National Health Insurance Scheme is poor, still below 5% of the entire population, covering mainly those in the formal sector. This is however as a result of poor awareness, poor knowledge, superstitious beliefs about health insurance concept and its benefits, lack of accountability and transparency among others. Research has shown that people are willing to join health insurance but usually don’t know how, how it operates or benefits them.
I.Insure is a mobile project designed by HYTEM (RC 1435918) to increase health insurance literacy, advocacy, enrollment and accountability. It will also serve as an information and service product, providing affordable health insurance information and service to low income earners and those in the informal sector using mobile phone and web.
OUR TARGET POPULATION
The low income earners including (artisans, self-employed, vulnerable groups, young people) who have limited access to healthcare services, bear the brunt of user fees and have no knowledge or information about health insurance. For this set of people, basic healthcare is a luxury and this could be the missing link between them staying alive or living a healthy and prosperous lives.
The donations will go into:
-Setting up of our platform (SMS, Web, APP, Social media)
-Awareness (creating videos/short stories to promote the benefits of health insurance)
-Toll free call centre
-Voice call messages in preferred local languages (Yoruba, Hausa, Igbo, Pidgin) -Affordable health insurance premium
-Tracking accountability within the scheme
-Reduction in Out-of-pocket payment for healthcare services
-Millions of unisured people especially the poor will have improved access to needed health care services
-Less people will die from preventable health causes
-Increased use of health facility
-Improved access to skilled medical personnel
-Increased productivity and prosperity
-Access to essential drugs
-Promotes health equity
-promotes attainment of universal health coverage and the Sustainable Development Goals 3 .
Thank you for your kind donation.