Thesis On National Health Insurance Scheme

Thesis On National Health Insurance Scheme-77
However, physical inaccessibility of health care in terms of overcrowded health facilities and financial barriers due to high out of pocket payments for outpatient care remain issues for improvement.The National Health Insurance Scheme is a form of National health insurance established by the Government of Ghana, with a goal to provide equitable access and financial coverage for basic health care services to Ghanaian citizens.A high proportion of the Ayigian community are enrolled in the national health insurance scheme, among those non-insured the majority are an indigent group of people who can't afford the health insurance premium and elderly who can't travel to the registration offices due to old age.

However, physical inaccessibility of health care in terms of overcrowded health facilities and financial barriers due to high out of pocket payments for outpatient care remain issues for improvement.The National Health Insurance Scheme is a form of National health insurance established by the Government of Ghana, with a goal to provide equitable access and financial coverage for basic health care services to Ghanaian citizens.A high proportion of the Ayigian community are enrolled in the national health insurance scheme, among those non-insured the majority are an indigent group of people who can't afford the health insurance premium and elderly who can't travel to the registration offices due to old age.

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The National Health Insurance Scheme is a form of social intervention established by the Government of Ghana in the year 2003.

The scheme provides equitable access and financial coverage for basic health care services to residents in Ghana.

The health sector of many developing countries has failed to address the health care needs of poor and vulnerable groups of people.

As morbidity and mortality rates increase tremendously, the plight of poor and marginal groups of people remain unheard.

However, there is a big mismatch between the demand for health care and available supply, particularly in the outpatient department despite the strides to expand health services.

The insured are protected from catastrophic payments compared to the non-insured who struggle to access health care due to the high cost of inpatient and outpatient care.The Ghanaian NHIS adopted the German model of solidarity and decentralization to set up the system at the initial stage.The German National Health Insurance advocates for universal health coverage, portability of insurance and participation by physicians.An in depth expert interview has been conducted simultaneously as well, with District Mutual Health Insurance Scheme officers and KNUST hospital personnel.The introduction of NHIS improved access to health care, patient attendance at health facilities shot up.Poor people are overcharged, while the principle of cross subsidization is not adhered as the result, the rich are not contributing proportional to their income as envisioned in the NHIS act.The majority of the insured believe the NHIS has improved access to health care.Upon becoming president, former president Kufuor pushed through his idea of getting rid of “cash and carry” and replacing it with an equitable insurance scheme that ensured that treatment was provided first before payment for Ghanaian citizens. Under the law, there was the establishment of Ghana National Health Insurance Authority which licenses, monitors and regulates the operation of health insurance schemes in Ghana.Like many countries in the world, Ghana's health insurance was fashioned out to meet specific needs of persons resident in Ghana.Under this policy, three types of health insurance schemes were set up. Ghanaian contributors are grouped according to their levels of income.Based on the group a Ghanaian contributor may fall in, there is specific premium that ought to be paid.

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