An Impact Assessment of National Health Insurance Scheme (NHIS) On Employees’ Productivity in Adamawa State, Nigeria


  • Pariya Umar Aisha Bayero University, Kano, Nigeria
  • Nasiru A. Umar Bayero University, Kano, Nigeria





This study assessed the impact of the National Health Insurance Scheme (NHIS) on employee productivity. The study utilized data from the Federal College of Education (FCE, Yola) and American University of Nigeria (AUN) using a structured questionnaire. A sample of 200respondents was drawn from the two institutions. Count data models were used to examine the effects of the benefits offered by NHIS on the productivity of workers. The findings from this study reveals that awareness and prevention campaign, drug quality, health treatment and dental care service reduce the probability of a worker falling sick and missing work days. The result shows 61% of workers who are insured have never missed work due to sickness in the last 12 months. The study recommends that, the services offered by the NHIS should be more strengthened and sustained since they are found to be impacting much on workers. Thus, proper monitoring and supervision of the programme are important to ensure that the goal of the scheme is attained. Awareness and prevention campaigns should be conducted at regular intervals to bridge the information asymmetric among individuals. When workers are enlightened and informed about certain diseases, for example, diabetes, blood pressure, cancer, etc. They will be able to take both preventive and curative measures. Health treatment should also be improved at the various healthcare centers enrolled in NHIS scheme to ensure that there is efficiency and effectiveness in the treatment given to the beneficiaries.


Keywords: Productivity, Health Insurance, NHIS


Akande, T.M, & Bello, O. (2002). National Health Insurance Scheme in Nigeria.

Medilor J. 7(1): 21-26.

Antle, & Capalbo (1988). Evaluating Investment on Basic Infrastructure in Nigeria. Proceedings of the Eight Annual Conference of the Zonal Research Unit, Organized by the Research Department of Central Bank of Nigeria.

Ben-Paroth, Y. (1967). The Production of Human Capital and the Life Cycle of Earnings. Journal of Political Economy 75(4): 352-365.

Berger, M.C., & Messer, J. (2002). Public Financing of Heath Expenditures, Insurance, and Health Outcomes, Applied Economics 34(17): 2105-2113.

Dey, M.S., & Flinn, C. (2000). An Equilibrium Model of Health Insurance Provision and Wage Determination. Working Paper C.V Starr Center for Applied Economics, New York University.

Dizillio, A., & Pinheiro, R. (2015). Health Insurance as a Productive Factor. Labour Economics, Elsvier, J. 40: 1-24.

Fahima, A. (1995). Nutrition, Health and Labour Productivity Analyses of Male and Female Workers: A Test of the Efficiency Wage Hypothesis”. Economic

Development Centre, Department of Applied Economics, ST Paul University of Minnesota. Bulletin Number 95-5.

Iyaniwura, O., & Osoba, A.M. (1983). Productivity and Technology Diffusion in Nigeria. South Africa Journal of Economical and Management Science, 6: 848-861.

Katibi, A.I, Akande, A.A., & Akande, T.M. (2003). Awareness and Attitude of Medical Practitioners in Ilorin towards National Health Insurance Scheme. Sahel Medical Journal 6(1): 14-16.

Katsuru, P., Gadzirayi, C.T, Tarunoma, M., & Mupararano, S. (2010). Impact of Occupational Health and Safety on Workers’ Productivity: A Case of Zimbabwe Food Industry. African Journal of Business Management 14(13): 2644-2651.

Lancaster, K.J. (1966). A New Approach to Consumer Theory. Journal of Political Economy 74(2): 132-157.

Michael, T.R., & Becker, G.S. (1973). New Theory of Consumer Behaviour.

Swedish Journal of Economics 75(4): 378-396.

Michael, S.A. (2010). Perceived Impact of the National Health Insurance Scheme (NHIS) among Registered Staff in Federal Polytechnic Idah, Kogi State, Nigeria. Studies in Sociology of Science 1(1): 44-49.

National Health Insurance Scheme (revised October 2010). ISBN 978 2397 24 5. Ronald, L.M. (2009). Health and Productivity as a Business Strategy: A

Multiemployer Study. JOEM 51(4).

Pedersen, K.M., & Skagen, K. (2014). The Economics of Prensenteeism: A Discrete and Count Model framework. Centre of health Economics Research, University Sourthern Denmark, COHERE Working Paper No.2014:2.

Umar, D., & Yaqub, J.O. (2013). Labour Productivity and Health capital in Nigeria: The Empirical Evidence. International Journal of Humanities and Social Sciences, 3(4): 199-22.



2021-06-30 — Updated on 2021-01-24


How to Cite

Aisha, P. U., & Umar, N. A. (2021). An Impact Assessment of National Health Insurance Scheme (NHIS) On Employees’ Productivity in Adamawa State, Nigeria. International Journal of Economics Development Research (IJEDR), 2(1), 1–15. (Original work published June 30, 2021)