Globally, social health insurance is widely accepted as a key instrument for improving universal access to health care and financial protection because it involves funds and risk pooling. Evidence from low-and-middle-income countries (LMICs) show that health insurance scheme improves access to healthcare services due to health insurance's perceived cost-effectiveness and financialrisk protection. More so, a previous study reported that insured people tend to adopt appropriate health-seeking behaviour (HSB) by using formal healthcare facilities than those who are uninsured. HSB situated within the broader concept of health behaviour is defined as actions or inactions undertaken by people who perceived themselves to have a health challenge or to be ill for the purpose of finding an appropriate and prompt remedy. It encompasses various activities undertaken to prevent or promote and or cure ill health or dealing with any departure from a good health status. An important aspect of HSB is the choice of healthcare provider made by people in response to illness episodes. Inappropriate HSB has been attributed to worse health outcomes, increased morbidity and mortality. Studies have described factors that significantly influence HSB during illness episodes, and these can be broadly categorized into two groups. The first category of studies emphasized seeking care in a formal system and is largely influenced by factors such as sex, age, the type of illness, the social status, access to health services and perceived quality of the service. In the second category, the determinants of HSB lie between the patients and the services provided. These determinants include social, geographical, cultural economic, and organizational factors. Other evidence indicated that a health insurance scheme can significantly increase access to healthcare services and equity in financing. Several factors such as the location of choice service provider, family income providerpatient relationship, etc can hinder countries’ progress toward UHC. More so, the place of residents determines HSB as previously reported that urban dwellers have reported appropriate HSB during their last illness episode than the rural dwellers.