Informal Sector Enrollment Key to Health Scheme Sustainability in Kaduna – DG

By Uangbaoje Alex, Kaduna

The Director General, Kaduna State Contributory Health Management Authority (KADCHMA), Aliyu Sa’idu, said the participation of the informal sector in the state health contributory scheme is key to the success and sustainability of the scheme.

The DG, disclosed this on Tuesday in Zaria, at one day sensitization meeting of the informal sector in the Northern Senatorial Zone in the state organized by Kaduna Maternal Accountability Mechanism (KADMAM) as part of her technical support to increase uptake of the informal sector enrolment on the scheme, supported by Partnership to Engage, Reform and Learn – Engaged Citizens (PERL-EC) and Lafiya Programme.

According to him, the civil servants who are currently enrolled in the scheme are about one percent of the state’s population which is not enough to sustain the scheme.

“For the scheme to run efficiently, you need a lot of numbers to key into the scheme so that the pool will grow enough to sustain the scheme so that if for instance 20% of the people falls sick, the bulk majority can be paid because we are talking of universal health coverage.

“When you talk about the formal sector, it is only 1% of the population, that will not sustain the scheme, if you take the civil servants and their dependents, the numbers we are deducting from them is not sufficient enough to cover half of the state.

“So there is need for the informal sector to come on board, get the pool bigger for you to be able to cover huge amount of money to run the scheme, that is the concept of health insurance”, Aliyu explained.

He said the idea is to give equal distribution and access to health for everyone in the state, that is what the scheme is out to address.

“You start benefiting as soon as you enroll and made your contribution. The scheme is an opportunity for both the poor and rich because it is affordable and has a flexible payment system where one can be paying gradually if you can not afford to pay at once.

“The yearly payment is as low as 10,650 for individual and 57,990 for a households of 6 people and they have access to health services in any facility they chose whether public or private irrespective of how chronic the illness might be. It also covers for pregnant women from anti natal to delivery even even she delivers through cesarean session”, The DG added.

He charge stakeholders to go all out and join hands with the agency to mobilise the people to join the scheme, saying the agency is ready to pay certain commission in form of incentives to those who would bring other people to enroll.

So far only 2,317 people in the informal sector have enrolled out of the 468, 095 enrollees in the state which include the entire civil servants in the state, vulnerables enrolled under the Federal Government’s Basic Health Care Provision Fund (BHCPF) and vulnerables identified by KADCHMA.

Alhaji Mustapha Jumare, State Co-chair of KADMAM, who facilitated the meeting, said the sensitization became necessary following the low level enrollment by the informal sector which is supposed to drive the process.

He said the sensitization was aims to ensure more informal sector population especially women and other marginalized groups enroll in the scheme to reduce out of pocket expenditure, knowing the overall benefits of enrolling.

He added that it is expected that the meeting would also engenders increase in the number of enrollees accessing health care services in the state.

He therefore called on everybody to join hands and ensure the success of the scheme, adding “everybody must come together to tackle the new challenges in the health sector. That is why it is called contributory health scheme.

The meeting had in attendance representatives of stakeholders from different areas of life; like the disability community, market women, community leaders, people in the manufacturing sector, transport workers, civil society organizations, the media, etc.


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