Kupanga inshuwaransi yazaumoyo ku Nigeria omwe ali pachiwopsezo kwambiri

By guest contributors Omokhudu Idogho, Kenneth Okoineme, Yusuf H. Wada, Isibhakhomen Y. Ikhimuikor, Moghonjubade Adesulure, and Jennifer Anyanti

Mu 2020, Unduna wa Zaumoyo adavumbulutsa Mayendedwe a Zaumoyo ku Nigeria motsogozedwa ndi Pulogalamu ya Purezidenti ya “Next Level Health Sector” ya 2019. Chigawo chachikulu chandondomekochi chikuphatikiza kukhazikitsidwa kwa inshuwaransi yokakamiza padziko lonse lapansi mogwirizana ndi maboma aboma komanso Federal Capital Territory. (FCT) utsogoleri.

Mofulumira mpaka Meyi 2022, pomwe Purezidenti adasaina lamulo la National Health Insurance Authority (NHIA) Act yomwe imapereka dongosolo la inshuwaransi yaumoyo yomwe imaphatikizapo mayiko kukwaniritsa inshuwaransi yazaumoyo kwa onse. Anthu ogwira nawo ntchito, opereka ndalama, ogwira nawo ntchito ndi mabungwe ena a anthu ayamikira boma chifukwa chochitapo kanthu pa chithandizo chaumoyo padziko lonse – makamaka kumbuyo kwa malipoti akuti 8 mwa 10 aku Nigeria alibe mwayi wopeza inshuwalansi ya umoyo.

Lamulo latsopanoli likufuna kuti munthu aliyense wa ku Nigeria azitetezedwa ndi inshuwaransi yazaumoyo ndipo amapereka mgwirizano pakati pa NHIA ndi maboma a boma makamaka pakuvomereza zipatala za pulaimale ndi sekondale. Imayika patsogolo kufikira anthu omwe ali pachiwopsezo kwambiri popanga “Vulnerable Group Fund” yomwe ikuyembekezeka kulipidwa ndi Fund ya Basic Health Care Provider Fund (BHCPF), chindapusa cha inshuwaransi yopereka ndalama zothandizira anthu omwe ali pachiwopsezo.

Ndiponso, kumapereka mpata wa kukhala ndi chiyembekezo chochenjera; Zowona za chithandizo cha inshuwaransi yazaumoyo ziyenera kumvetsetsedwa potengera zovuta zomwe zikuchitika mdziko muno. Zikuoneka kuti Vulnerable Group Fund monga ikuganiziridwa pokonza ndondomekoyi pakali pano ikuganiza kuti chiwerengero cha anthu chidzafuna kuchitapo kanthu motere. Chowonadi ndi chakuti pafupifupi 50% ya anthu aku Nigeria amakhala m’madera akumidzi malinga ndi World Bank, ndipo chiwerengero chachikulu cha osauka omwe akukula m’matauni akadali ndi malire okhoza kulipira inshuwalansi nthawi zonse.

Zodetsa nkhawa ndizakuti lamulo latsopanoli silingachulukitse kuchuluka kwake kwambiri kunja kwa gawo lovomerezeka monga momwe dongosolo lakale linalili. Zabwino kwambiri, zidzangokwaniritsa kuyanjana kwa inshuwaransi yazaumoyo yomwe imagwira ntchito bwino ndi boma. Kupindula komwe sikunadziwikebe pakali pano malinga ndi chikhumbo chathu chadziko chofuna kupeza chithandizo chamankhwala padziko lonse lapansi. Kuphatikiza apo, zolemba za Adewole et al. Okbani et al. Iye akuwonetsa kuti zolepheretsa kukwaniritsa chithandizo chaumoyo padziko lonse sizinthu zamagulu okhazikika koma kukulitsa kuchuluka kwa inshuwaransi yazaumoyo m’magawo osakhazikika komanso akumidzi. Malamulo monga momwe tafotokozera pano sangasinthe nkhaniyo m’tsogolomu.

Ndalama zomwe zaperekedwa ku Vulnerable Fund monga momwe lamulo zimaperekera ndalama zikuphatikizapo Basic Health Care Provider Fund (BHCPF) kutenga gawo la 1% kuchokera ku Consolidated Revenue Fund ndi mabungwe omwe amasonkhanitsidwa ndi mayiko, ndalama zolipiridwa ndi anthu olembetsa ndi zina. BHCPF ikhoza kukhala katatu yomwe bokosilo lidzagwiritse ntchito. Izi ndi zodetsa nkhawa chifukwa BHCPF palokha ikukakamizidwa kale ndi kuchepetsedwa kwa kusonkhanitsa ndalama za anthu zomwe zikusokonezedwa ndi ngongole. Komabe, popereka chikalata cha Fiscal Framework/Medium Term Fiscal Strategy 2023-2025 ndi Boma la Federal (FG), chowunikira chinali chakuti ndalama zomwe FG idasungidwa panthawiyo zinali N1.63 thililiyoni ndi ngongole pa N1.94 thililiyoni. Trilioni m’gawo loyamba la 2022. FG ndi mayiko ambiri amakhalanso ndi mavuto aakulu azachuma, zonsezi zikusonyeza kuti lamulo latsopanoli lingathe kusintha zenizeni ndi zotsatira za thanzi la anthu a ku Nigeria, makamaka m’madera osadziwika komanso kumidzi. . Ambiri a iwo ndi osauka komanso osatetezeka ndipo amafunikira kwambiri chikhumbo chomwe chili m’malamulo.

Mlandu uliwonse umapereka mwayi wake, ndipo ino ikhoza kukhala nthawi yoganizira njira zatsopano komanso zokhazikika zopezera ndalama. Njira imodzi yotereyi ingakhale yotchinga “msonkho wa shuga” ndikuwongolera kuti athandizire Rally of the Poor. Kuwunika mwadongosolo mowa, fodya ndi zinthu zina zokhudzana nazo ziyenera kuchitidwa komanso kuthekera koletsa zinthu zamisonkho zomwe zimaperekedwa kwa iwo ndikuwongolera ndalama ziyenera kuganiziridwa.

Kupanga njira zoperekera chithandizo ndi kufikitsa chuma chochuluka kuti chifike pogwira ntchito ndi mfundo zina ziwiri zofunika kuziganizira ngakhale akamalamulo. Chisamaliro choyambirira ndiye maziko oyambira komanso polowera m’zaumoyo, makamaka kumidzi. Lipotilo likuwonetsa kuti zosakwana 50% za zipatala zoyambira zapagulu mdziko muno zikugwira ntchito mokwanira ngakhale pambuyo pa 3 kuzungulira kwa BHCPF. Choncho, n’zosadabwitsa kuti 75% ya malo oyambirira a chisamaliro ndi chithandizo chamankhwala choyambirira amaperekedwa ndi opereka chithandizo chamankhwala osakhazikika monga ogulitsa mankhwala a patent (PPMV) ndi ammudzi ammudzi (CPs). Kuganiza molimba mtima komanso kuchita zinthu mwanzeru kumafunika kuti anthu azitha kuyanjana ndi azaumoyo chifukwa cha zinthu zoopsazi.

Pomaliza, opanga ndondomeko ayenera kuzindikira kufunika kwa mgwirizano wa chikhalidwe pakati pa nzika ndi boma, ndikuchita zonse zomwe angathe kuti awonetsetse kuti akukwaniritsidwa bwino. Tikukhulupiriranso kuti mwambo wolengeza kukhazikitsidwa kwa lamuloli udzasintha kusintha kwenikweni kwa thanzi la anthu aku Nigeria, makamaka osauka kwambiri, ndipo udzafulumizitsa dziko la Nigeria kuti likwaniritse zolinga za Sustainable Development Goals (SDGs) zokhudzana ndi zaumoyo komanso ndondomeko ya zaumoyo padziko lonse. 2030.

Za olemba:

Dr. Omokhudu Idogho Iye ndi Mtsogoleri Woyang’anira wa Society for Family Health (SFH), Nigeria, imodzi mwa NGOs zofunika kwambiri ku Nigeria, ali ndi zaka zoposa makumi awiri ndi zisanu za utsogoleri zomwe zikupanga ndi kutsogolera ntchito zazikulu zachitukuko m’dzikoli ndi mayiko ambiri. Asanalowe ku SFH, adagwira ntchito ndi ActionAid International ku South Africa monga Wogwirizanitsa Padziko Lonse wa Pulogalamu ya HIV & AIDS kuyang’anira ntchito za ActionAid m’mayiko 22 mu Africa, Asia ndi Latin America. Anagwiranso ntchito ngati mlangizi wa ndondomeko ndi ActionAid Alliance ku Belgium, akuyang’ana kwambiri pakupanga ndondomeko m’mabungwe a EU.


Kenneth O’Quenem Ndiwoyang’anira zaumoyo komanso katswiri wa mfundo za anthu ku Family Health Community, yemwe ali ndi zaka zopitilira 15 zodziwa zambiri pakuwongolera, utsogoleri, ndikuchita nawo mfundo za anthu. Zambiri mwa ntchito zake zakhala zikuyang’ana njira zowonetsera ndondomeko za ndondomeko za anthu ndi zotsatira zake pazachuma cha anthu, ntchito zapagulu, utsogoleri, ndi chitukuko cha demokalase.
Iye ali wokondwa kwambiri ndi mabungwe ogwira ntchito omwe akukonzekera ndi kupatsa mphamvu midzi kuti apange njira zina ndikuchitapo kanthu kuti adzifunse, kupempha ndi kuthandizira ufulu womvera ntchito za boma, kuchita nawo mabungwe olamulira, ndondomeko za ndale ndi zochitika zachitukuko kuti apititse patsogolo ntchito zawo zachitukuko zomwe zimakhudzidwa ndi anthu. ndi chikhalidwe cha anthu.


Joseph H. Wada Pharmacist ndipo pano akugwira ntchito ngati Executive Assistant ndi Health Policy Intern ku Family Health Association. Iye ndi Fellow of the International AIDS Society’s HIV Academy, asindikiza mapepala angapo ofufuza, operekedwa pamisonkhano yapadziko lonse lapansi ndi yapadziko lonse lapansi, ndipo adalembera mabulogu angapo.


Isibhakhomen Y. Ikhimuikor Ndi pulogalamu yogwirizana ndi Family Health Association. M’mbuyomu, adagwira ntchito ndi Women’s International League for Peace and Freedom (WILPF Nigeria) komwe adayang’anira ntchito yofotokozera mthunzi ku Komiti ya CEDAW komanso kukhazikitsa ntchito zina zambiri zokhudzana ndi mtendere ndi chitetezo. Ali ndi BA mu Pure and Applied Mathematics kuchokera ku Federal University of Technology, Minna ndipo amakonda kwambiri zaumoyo wa anthu ndipo akudzipereka kuonetsetsa kuti waku Nigeria aliyense ali ndi mwayi wopeza chithandizo chamankhwala.


Moghonjubade Adesulure Pakali pano ndi Country Digital Media and Communications Coordinator wa DISC Family Health Community Project komwe amatsogolera ntchito zambiri zokopa anthu komanso zokhudzana ndi mauthenga ku Nigeria. Amakonda kwambiri zoulutsira mawu ndipo ali ndi chidziwitso chofunikira pazofalitsa ndi mauthenga, pano akuyang’ana kwambiri pazaumoyo. Ali ndi digiri ya Master mu Mass Communication kuchokera ku yunivesite ya Lagos komanso digiri ya Bachelor mu Communication and Language Arts kuchokera ku yunivesite ya Ibadan.


Dr. Jennifer Anyanti Pakali pano ndi Wachiwiri kwa Director General (Strategic and Technical) wa Family Health Association, imodzi mwa mabungwe omwe siaboma otchuka kwambiri ku Nigeria, komanso Fellow of the West African Academy of Public Health. Omaliza maphunziro awo ku Faculty of Medicine ya Obafemi Awolowo University, Nigeria, komanso katswiri wa zaumoyo wazaka makumi awiri wodziwa zambiri pazaumoyo, kafukufuku, ndi mapulogalamu okhudzana ndi thanzi la anthu omwe amathandizidwa ndi mgwirizano wa mabungwe apadziko lonse lapansi. Ndiwolemba wosindikizidwa bwino / wolemba nawo zolemba zowunikidwa ndi anzawo opitilira 50, ndipo kuwonjezera pa zomwe wachita bwino, ndi wotsogolera, wotsogolera, komanso membala wa board omwe amayang’ana kwambiri padziko lonse lapansi komanso padziko lonse lapansi. mabungwe.

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