“Do Health Insurance Scheme’’ Affect the Livelihood of People in the Rural Area of Ghana: Emperical Evidence from Adaklu Anyigbe

Phanuel Mawuli Kofi Segbefia ,Ying-Hua Chen ,Emmanuel Manu

doi:10.7176/ejbm/11-26-11

Abstract

The main objective of establishing the National Health Insurance Scheme (NHIS) is to protect the poor and put health in the hands of the people. It also aim to provide health services for all by abolishing the "cash and carry" system in which patients are asked to pay before they are treated. This study was conducted to assess a new method of financing Health Care in Ghana, evaluation of Mutual Health Insurance Scheme in Adaklu Anyigbe. A questionnaire was designed using structured questions to collect primary data from health facilities and clients of the NHIS. Personal interviews were held to solicit views and comments from some respondents. The results show that the availability of adequate funds for health care services is very important for the survival of the health insurance scheme. Adequate funding for health care services will assist in meeting health care services and delivery requirements for health service facilities and clients in Ghana. Meeting Ghana's health requirements will require the adoption of effective policies and guiding principles that integrate the input and concerns of all stakeholders from the health care business. Keywords; Health insurance scheme; Health care delivery; rural people; Adaklu Anyigbe DOI : 10.7176/EJBM/11-26-11 Publication date :September 30 th 2019

Highlights

The UN Millennium Development Goals 3, 4 and 5 are about reducing child mortality, improving maternal health and combating the spread of HIV / AIDS respectively (Merson, 2006)(UN, 2006)
While temporary funding for some pilots in the future might be obtained through international donors, resources to fund district health insurance schemes must be provided through social health insurance contributions or general tax revenues
5.0 Conclusion This study shows that several challenges affect the smooth operation and service delivery of the National Health Insurance Scheme (NHIS) at Adaklu Anyigbe

Summary

INTRODUCTION

The UN Millennium Development Goals 3, 4 and 5 are about reducing child mortality, improving maternal health and combating the spread of HIV / AIDS respectively (Merson, 2006)(UN, 2006). The cost of accessing health services can increase with the quality of health services that they want to access because clients may have to pay more if they need excellent health care services to provide In addition to these traditional health care financing methods, some lower income countries and development partners are implementing non-traditional or innovative financing mechanisms for scaling up delivery and sustainability of health care, such as micro-contributions, public-private partnerships, and market-based financial transaction taxes. "I have reliable information that some private providers have opted out of the Scheme or refused to continue providing services," he said More than that he asks the National Health Insurance Authority to regularly review rates while ensuring reimbursement of claims submitted by providers to avoid compromising quality care to clients. The distribution consisted of one hundred twenty (120) NHIS clients, eighty NHIS health service providers (80) and thirteen (13) scheme staff

General Characteristics of the Respondents

Aspects and Levels of Satisfaction with the Service of the NHIS

Addressing Challenges associated with Health Care Service delivery of NHIS