Appraising construction artisans health insurance enrolment to achieve sustainable development goal 3 in the informal sector: issues and solutions

Purpose: In developing countries, informal construction artisans are vital to economic growth. Governments encourage enrolment into micro health insurance schemes to sustain artisans’ well-being and achieve universal health coverage. The peculiarity associated with the informal construction artisans may hinder the scheme enrolment, particularly in Nigeria. It may threaten to improve achieving sustainable development goal 3 (good health and well-being). This study investigated the level of awareness and causes and suggested measures to improve micro health insurance policy enrolment for construction artisans in the informal sector and, by extension, improve the achievement of Goal 3. Design/methodology/approach: This study adopted face-to-face interviews to collect data in Lagos and Benin City, Nigeria. The researchers engaged 40 participants and achieved saturation at the 35th participant. The researchers manually analysed the collected data and reported the findings using the thematic approach. Findings: Results showed low enrolment of informal sector construction artisans into micro health insurance schemes and identified the contributory factors. This includes poor awareness and poor funding of micro health insurance schemes, lax expertise and understanding of the micro insurance market space, extreme poverty, poor medical services, uneducated clients/customers/consumers, etc. Originality/value: As part of the study’s implications, it recommends that the government invest more in social health for the informal sector’s low-income earners to enhance accomplishing universal health coverage and, by extension, improve achieving Goal 3. This study may stir policymakers to call for a review of the National Health Insurance Authority Act 2022 with implementable and enforceable clauses to reduce uninsured informal sector construction artisans.