Chukwuezie, Ugo Collins, et al. “Health Insurance: Factors Influencing the Utilization of Health Insurance Schemes by Medical Doctors in Lagos State, South-West Nigeria”. American Journal of Interdisciplinary Research and Innovation, vol. 4, no. 3, Aug. 2025, pp. 26-39, https://doi.org/10.54536/ajiri.v4i3.5588.