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Abstract

Background:
The amount of social capital in a community can be an asset for the breakthrough and sustainability of community-based health insurance (CBHI), thereby contributing to the demand for it at the community level.

Aims:
This study aimed to assess the relationship between social capital and willingness to pay (WTP) for CBHI in rural communities of Delta State.

Materials and Methods:
A cross-sectional study design was employed to assess the level of social capital and WTP for CBHI among a sample of 412 households using a multistage sampling technique. Data was collected using an interviewer-administered semi-structured questionnaire. Descriptive and inferential analyses of the data collected were carried out using the IBM SPSS version 22 software.

Results:
the mean age of respondents was 50.42 ± 14.54 years. Females were about half (50.5%) of the respondents, and 19.9% of respondents had no formal education. The mean individual WTP amount per month was 600.75 ± 419.48 naira (1.30 ± 0.91 US dollar). The association between social capital (χ2 = 193.043; P < 0.001) and WTP for CBHI was statistically significant. Other factors such as sex (χ2 = 10.168; P = 0.001), education (χ2 = 14.06; P < 0.001), religion (χ2 = 40.565; P < 0.001) and household with younger people <18 years (χ2 = 14.361; P < 0.001) were also significantly associated with WTP for CBHI.

Conclusion:
This study reported a significant association between social capital and WTP for CBHI.

Publication Type:	Article
Additional Information:	© 2026 Nigerian Postgraduate Medical Journal | Published by Wolters Kluwer. This is an open access article distributed under the terms of the Creative Commons Attribution‑NonCommercial‑NoDerivatives 4.0 License (CC BY‑NC‑ND), where it is permissible to download and share the work provided it is properly cited. The work cannot be changed in any way or used commercially without permission from the journal.
Publisher Keywords:	Community-based health insurance, rural communities, social capital, willingness to pay
Subjects:	R Medicine > RA Public aspects of medicine > RA0421 Public health. Hygiene. Preventive Medicine
Departments:	School of Health & Medical Sciences School of Health & Medical Sciences > Department of Population Health & Policy
SWORD Depositor:	Symplectic Administrator

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