ASSESSMENT OF THE PLIGHT OF NATIONAL HEALTH INSURANCE SCHEME AMONG FEDERAL CIVIL SERVANT ENROLLEES IN KEBBI STATE NIGERIA

The study assessed the plight of NHIS among Federal civil servant enrollees in Kebbi State, Nigeria. To achieve this purpose, ex-post facto research design was used. The population for this study was eight thousand, one hundred (8, 100) federal civil servants in Kebbi State. The sample size of 380 was selected using Yamane's equation. The instrument for data collection was a structured questionnaire developed by the researcher and it was validated by five (5) experts in the Department of Human Kinetics and Health Education, and Nursing Sciences, Ahmadu Bello University Zaria. The Descriptive statistics of frequency and simple percentages were used to analyze the demographic characteristics of the respondents. Inferential statistics of onesampled t-test and ANOVA were used to test the stated hypotheses at a 0.05 level of significance. The result revealed that there is a significant plight of NHIS services by NHIS (t = 53.82, p = 0.000); and there is a significant difference in the plight of NHIS services among different institutions (f = 42.029, p = 0.000). Based on the results, the study concluded that NHIS services face numerous plight among federal civil servant enrollees in Kebbi State; and the plight of NHIS services differ among various institutions in Kebbi State. Based on the conclusion, the study recommends improvements in addressing the NHIS-related plight of federal civil servants in Kebbi State, and more improvements and motivation for NHIS facilities and equipment to sustain the scheme and encourage positive attitudes towards its services.