Abstract
02Feb 2018 THE ASSESSMENT OF FINANCIAL SUSTAINABILITY OF HEALTH INSURANCE IN AFRICA: A CASE STUDY OF GHANAS NATIONAL HEALTH INSURANCE SCHEME. Dennis Asante , Kingsford Kissi Mireku , Isaac Edem Djimesah and Kenneth Wilson Adjei Budu. School of Management and Economics, University of Electronic Science and Technology of China. School of Information and Software Engineering, UESTC, Chengdu, China. School of Finance and Economics, Jiangsu University, Zhenjiang, China. School of Management and Economics, University of Electronic Science and Technology of China.
Highlights
Health Insurance Scheme as a case study
This study aims to assess the financial sustainability of health insurance in Africa using Ghana's National
The technique focuses on meaning and measures quantifiable phenomena in which the first part of the investigation is an extensive review of the literature in scholarly research articles, books and reports from World Bank, UNDP, World Health Organization (WHO) and national government policy and reports on the Ghana national health insurance scheme
Summary
Health Insurance Scheme as a case study. The study examined the funding regime, the growth rate of claims, premium payments, and income and expenditure trends of the scheme from 2008 to 2014 with GNHIS's annual reports used as data collection. Claims payment showing a statistically significant adverse impact on ROA (β=-0.2278903, p=0.036). Health insurance schemes in Africa are increasingly recognized as a potential panacea for health care financing quagmire. These systems are believed to have the potential to enhance health facility utilization and as well protect people against high health care expenses. Financing health care through general taxation or the implementation of social health insurance policy is recognized as practical methods to achieve universal coverage with sufficient financial security for all against healthcare burden [5]. Available literature shows that Governments in sub-Saharan Africa face severe financial constraints in their effort to provide primary health care needs to their people (Abekah-Nkrumah et al 2009)[6]
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