The Impact of Mutual Health Insurance Scheme on Access and Quality of Health Care in Northern Ghana: The Case of Kassena-Nankana East Scheme

Kennedy Alatinga, Nicholas Fielmua

Abstract


This study examines the Impact of Mutual Health Insurance on Access and Quality of Health Care for the Rural Poor in Northern Ghana. Using household surveys and focused group discussions, the study establishes that Mutual Health Insurance improves the poor access to health care as the insured use nearly 3 times of health facilities more than the uninsured. The insured equally pay relatively lower out-of-pocket fees than the uninsured at the point of demanding health care. Households with higher incomes generally enrol in health insurance while the poorest segment of the community risk being excluded because they cannot afford the insurance premiums. It is recommended that since the flat rate nature of insurance premiums is what prevents majority of households from enrolling in health insurance, the premiums could be made more flexible for the rural poor.


Full Text: PDF



Creative Commons License
This work is licensed under a Creative Commons Attribution 3.0 License.

Journal of Sustainable Development   ISSN 1913-9063 (Print)   ISSN 1913-9071 (Online)

Copyright © Canadian Center of Science and Education

To make sure that you can receive messages from us, please add the 'ccsenet.org' domain to your e-mail 'safe list'. If you do not receive e-mail in your 'inbox', check your 'bulk mail' or 'junk mail' folders.