Ibrahim, Musa Saulawa, Aliyu Zakariya, Hassan Farouk Hassan, Umar Shu’aibu, Muhammad Ibrahim Jalo, and Abubakar Isa Sadiq. “Health Insurance in Nigeria: From Statutory Reform to Effective Financial ProtectionA Critical Narrative Review”. FUDMA Journal of Sciences 10, no. 19 (October 8, 2026): 246–254. Accessed October 22, 2026. https://fjs.fudutsinma.edu.ng/index.php/fjs/article/view/6075.