Not many people enroll for insurance. They feel like that don't need it because they don't visit the hospital frequently. Some even said that they could stay a year without going to the hospital for anything, so, there is no use to get an insurance.

Insurance makes things very cheap, but people don't want to enroll, thus, the reason why bills are so high for patients.

With an insurance, A patient would be paying 10k naira for a 100k naira medical bill. It covers a large portion of the bills.