HEALTH RISK ASSESSMENT BY UNIVERSITY OF LAGOS STUDENTS
UNDER THE TERTIARY INSTITUTION OF STUDENT HEALTH INSURANCE
PROGRAMME
BY
ENYIOMA MARY AKUCHINYERE
MATRIC NO: 120207064
A PROJECT PRESENTED TO THE FACULTY OF BUSINESS
ADMINISTRATION, UNIVERSITY OF LAGOS, AKOKA IN PARTIAL
FULFILLMENT OF THE REQUIREMENTS FOR THE AWARD OF THE
DEGREE OF BACHELOR OF SCIENCE (B.Sc), BUSINES ADMINISTRATION,
UNIVERSITY OF LAGOS.
APRIL, 2015

CERTIFICATION
This is to certify that this research project titled:
“health assessment by university of lagos students under the tertiary institution of health insurance programme ” was carried out by ENYIOMA Mary Akuchinyere with the matriculation number 120207064 under my supervision
_______________________ ______________________
MR L.A. AJIJOLA DATE
(SUPERVISOR)
________________________ ______________________
PROF R.O. AYORINDE DATE
(HEAD OF DEPARTMENT)

DEDICATION
This project is dedicated to the Almighty God, the one who is the foundation of all knowledge, who in spite of mounting odds, the Alpha and Omega for His Grace and
Strength and Opportunity He gave me to write this project. I would also love to dedicate this project to my precious Dad

ACKNOWLEDGEMENTS
My gratitude goes to Almighty God, who has sustained me, who gave me wisdom, understanding, knowledge, strength, and made it possible for me to complete this programme.
My supervisor Mr. Ajilola, who provided very helpful guidance and encouragement and offered consistently useful comments and direction for this project. I will always remember his kindness and understanding. Thank you Sir.
My greatest debt goes to my dad who morally and financially backing has contributed tremendously to the successful completion of this programme. I acknowledge the assistants given to me by course adviser (Dr. Mr. Abiola) for his advice and moral support to make this research work a reality.
My undiluted love goes to my elder brother, sister ( Peter, Thelma, Lucy, Carol, Pauline) and a special person ( Mohammed Thompson and Mrs. Akinade Solomon) and my relatives for their advice and support from the beginning of this research.
Finally, I would like to give deepest thanks to my friends such as Anike Illuyomade,
Sobe Nwachukwu, Damilola Ajayi for being with me throughout my stay in school and also for being in support during this project work. To my wonderful final year roommates, Tomisin, Fola, Tolu thank you for immeasurable help for guiding me through. May God bless your all far above your expectations, I LOVE YOU ALL.

ABSTRACT
Health is a major form of human capital and there exists substantial agreement in the literature on the relationship between health and economic development through its relationship between capability and poverty. This study investigated the accessibility of healthcare as well as the utilization of healthcare facilities in the tertiary institution in
Nigeria. The method for data collection was through the design of self-administered questionnaires. Three hypotheses were formulated and the data collected was analyzed using Chi-square, where the critical value was p value < 𝜒 2
0.05, the aid of SPSS version
20.The result indicated that removing healthcare fees in tertiary institutions was seen as a potentially effective and pragmatic tool for bridging the socio-economic divide across the country and improving health equity within the tertiary community.

TABLE OF CONTENTS
TITLE PAGE…………………………………………………………………. i
CERTIFICATION……………………………………………………………. ii
DEDICATION………………………………………………………………… iii
ACKNOWLEDGMENT…………………………………………………….. iv
ABSTRACT…………………………………………………………………. v
TABLE OF CONTENTS…………………………………………………… vi
CHAPTER ONE
1.1
Background of Study……………………………………………………… 1
1.2
Statement of the problem…………………………………………………. 2
1.3
Purpose of the study………………………………………………………. 4
1.4
Research question ……………………………………………………….. 5
1.5
Significance of the study…………..……………………………………… 5
1.6
Scope and limitation of the study…………………………………………. 6
1.7
Definition of terms………………………………………………………… 6
CHAPTER TWO
2.1.0 Health Care History of Nigeria…………………………………………… 8
2.1.1 Health Sector and Health Financing Policy Reforms in Nigeria………….
8

2.1.2 Overview of Health Care and Health Utilization…………………………
12
2.1.3 Overview of the Nigeria Health System………………………………….
18
2.1.4 Operational Guidelines for Tertiary Institutions………………………… 22
2.2 Review of Past Literature…………………………………………………… 22
2.3 Theoretical Frame work …………………………………………………….. 28
2.3.1 Current Theory……………………………………………………………. 28
2.4 Summary ……………………………………………………………………. 31
CHAPTER THREE
3.0 Introduction…………………………………………………………………… 32
3.1 Research Design……………………………………………………………….. 32
3.2 Restatement of Research Aim………………………………………………… 32
3.3 Population……………………………………………………………………… 33
3.4 Sample size and Sampling Techniques………………………………………. 33
3.5 Data Collection Method……………………………………………………… 33
3.6 Research Instrument…………………………………………………………. 34
3.7 Validity of Reliability of the Research Instrument………………………….. 34

3.8 Administration of Research instrument…………………………………….. 35
3.9 Data Analysis……………………………………………………………. 35
3.9 Scope and Limitation of the Methodology
CHAPTER FOUR
4.1 Introduction………………………………………………………………….. 36
4.3 Discussion of Result………………………………………………………….. 36
CHAPTER FIVE
5.1 Introduction …………………………………………………………………... 69
5.2 Summary……………………………………………………………………….. 71
5.3 Conclusions……………………………………………………………………. 72
5.4 Recommendation………………………………………………………………. 73
5.5 Areas of Further Studies……………………………………………………...... 73
BIBLIOGRAPHY
………………………………………………………………. 74
APPENDICES
Appendix: questionnaire ……………………………………………………………..84