Health insurance and job performance of secondary school teachers in Cross River State

Imanyi, Killian Caleb, Antai, Jane Ita, and Aquaowo, Hannah Ezekiel

African Educational Research Journal
Published: September 11 2025
Volume 13, Issue 3
Pages 381-385
DOI: https://doi.org/10.5281/zenodo.17100334

Abstract

This study highlights how health insurance predicts the job performance of secondary school teachers in Cross River State, Nigeria. Using a descriptive survey design, data were collected from 190 public secondary school teachers and 72 principals, vice-principals across the three senatorial districts. Instruments employed were structured questionnaires on a four-point Likert scale. Simple linear regression analysis revealed a weak but statistically significant positive prediction (R = .148, R² = .022, p = .046). This means health insurance explained only 2.2% of the variance in teachers’ job performance. Basic descriptive statistics (means, standard deviations) showed that while teachers maintained moderate performance levels, access to functional health insurance remained limited. This suggests that while health insurance matters, it is not the primary determinant of teachers’ job performance. Findings suggest that a well-structured and accessible insurance scheme tailored to educators could enhance productivity. Recommendations include strengthening the National Health Insurance Authority (NHIA) and Ayadecare schemes, improving awareness, and expanding coverage.

Keywords: Health insurance, job performance, secondary school teachers, fringe benefits, Cross River State, teacher welfare, educational management, expectancy theory.

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