Insure them and improve their welfare: effect of Hygeia Community Health Insurance on households’ welfare in Kwara State, Nigeria


  • Raphael BABATUNDE Department of Agricultural Economics and Farm Management, University of Ilorin, Ilorin, Nigeria
  • Adeyemi OMONIWA Department of Agricultural Economics and Farm Management, University of Ilorin, Ilorin, Nigeria
  • Oluwafemi OYEDEJI Department of Agricultural Economics and Farm Management, University of Ilorin, Ilorin, Nigeria



Hygeia, health plan, community, welfare and farming, Kwara state, Nigeria


The Hygeia Community Health Plan was designed such that agriculture-based households can have access to affordable healthcare services. It is also aimed at providing financial risk protection against catastrophic healthcare costs which if persistent, could possibly drive them into poverty. This paper used a well-structured questionnaire to solicit responses on the effect of the Hygeia Community Health Plan on the welfare of farming households in Kwara State, Nigeria. A two-stage sampling technique was used to sample 175 farming households comprising of 115 beneficiaries and 60 non-beneficiaries from Shonga, Bacita and Lafiagi districts of Edu local government area of Kwara State, Nigeria. The ordinary least square and logit model were used in the analysis of the data for this study. The results of the analysis showed that the Hygeia community health plan was positively and statistically significant in influencing the per capita income, per capita calorie intake and the food security status of farming households in the area. Therefore, it was recommended that the government should create an enabling environment or partner with private insurance organizations. This will help them work out a plan to help rural households in other parts of the country access affordable healthcare services easily. This will help in the attainment of the universal access to health services in Kwara State and country Nigeria at large.


Ajilowo, J. B. (2007). Accessibility of rural dwellers to health care facilities in Nigeria: The Owo region experience. Pakistan Journal of Social Sciences, 4 (1), 44-55.

Annear, P. (2006): "Study of Financial Access to Health Services for the Poor in Cambodia. Phnom Penh". Research report, Cambodia Ministry of Health, WHO, AusAID, RMIT University.

Ataguba, J. E., Ichoku, E. M., Fonta, M. W., Okpanachi, A. L. & Okon, U. E. (2006). An Estimation of the Willingness to Pay for Community Healthcare Risk-Sharing Prepayment Scheme and the Medical Poverty Trap: Evidence from Rural Nigeria. A Paper Presented during the 5th PEPResearch Network General Meeting, June 18-22, Addis Ababa, Ethiopia.

Babatunde, O., Akande, T., Salaudeen, A., Aderibigbe, S., Elegbede, O. & Ayodele, L. (2011). Willingness to pay for Community Health Insurance and Its determinants among Household heads in Rural communities in North central , Nigeria, International Review of Social Sciences and Humanities,2(2) (2012), 133-142.

Bashir, M., Schilizzi, S. & Pandit, R. (2012). The determinants of rural household food security: The case of Landless Households of the Punjab, Pakistan, Working Paper 1208, School of Agricultural and Resource Economics, University of Western Australia, Crawley, Australia.

Das, J., Hammer, J., and Leonard, K. (2008) "The Quality of Medical Advice in Low-Income Countries," Journal of Economic Perspectives, 22(2), 93-114. doi:10.1257/jep.22.2.93

Gertler, P., Levine, D., and Moretti, E. (2003). "Do Microfinance Programs Help Families Insure Consumption Against Illness?" Development and Comp Systems 0303004, Econ. WPA.

Ibekwe, U. C. (2010). Determinants of income among farming households in Orlu Agricultural Zone of Imo state, Nigeria. Report and Opinion 2010, 2(8), 32 – 35.

Jansen, H. G. P, P. B. Siegel, J. Alwang & F. Pichon (2005). Geography, Livelihoods and Rural Poverty in Honduras: An Empirical Analysis using an Asset-based Approach. Working Paper, No.134. Ibero-America Institute for Economic Research (IAI). Jans

KWSG (2006). Planning studies in Kwara State. Kwara State Government of Nigeria, Ministry of land and Regional resources.

Mishra, S., (2007). Household Livelihood and Coping Mechanism during Drought among Oaron Tribe of Sundargarh District of Orissa, India. Journal of Social Science, 15 (2), 181 –186.

Mitiku A., Fufa B. & Tadese B. (2012). Empirical analysis of the determinants of rural households food security in Southern Ethiopia: The case of Shashemene District. Basic Research Journal of Agricultural Science and Review, 1(6), 132-138.

NPC (2008). Nigerian Demographic and Health Survey Abuja, Nigeria.

Ogbimi, R.I (2004). Health consideration in rural development” Benin Journal of Education Studies, 18 (1 and 2), 163-175.

Orewa, S. & Iyanbe, C. (2010). Determinants of Daily Food Calorie Intake among Rural and Low-Income Urban Households in Nigeria. Academic Journal of Plant Sciences, 3(4), 147-155.

Oriakhi, H. & Onemolease, E. (2010). Determinants of Rural Household’s Willingness to participate in Community-Based Health Insurance in Edo State, Nigeria. Ethno Med, 6(2), 95-102. doi:10.1080/09735070.2012.11886425

Oyekale S. & Eluwa C. (2009). Utilization of Healthcare and Health insurance among Rural Households in Irewole Local Government, Osun State, Nigeria. International Journal of Tropical Medicine, 4(2), 70-75,. ISSN: 1816-3319.

Rakodi, C. (1999). A capital assets framework for analysing household livelihood strategies: Implications for policy. Development Policy Review, 17, 315–342. doi:10.1111/1467-7679.00090

Smucker, Thomas A. & Ben Wisner, (2008). Changing household responses to drought in Tharaka, Kenya: vulnerability, persistence and challenge. Journal Compilation at Overseas Development Institute, Blackwell Publishing. doi:10.1111/j.1467-7717.2007.01035.x

WHO (1997). The World Health Report: Making a difference. Geneva: World Health Organization.

World Bank (2005). World development report, World development indicators: Country: Nigeria.



1. 04. 2019



Agronomy section

How to Cite

BABATUNDE, R., OMONIWA, A., & OYEDEJI, O. (2019). Insure them and improve their welfare: effect of Hygeia Community Health Insurance on households’ welfare in Kwara State, Nigeria. Acta Agriculturae Slovenica, 113(1), 5–12.

Similar Articles

1-10 of 365

You may also start an advanced similarity search for this article.