A new study via the University of Ghana says only 34% of your Ghanaian inhabitants are taught in National Health insurance coverage Scheme.

A NewsRx report citing the learning while using title ‘Refusal to enroll in Ghana’s National Health care insurance Scheme: is Affordability the situation?’, notes that, “After having a decade of its implementation, national coverage is just about 34% in the national population.

The study which utilizes data originating from a cross-sectional household survey involving 2,430 households from three districts in Ghana and was conducted between January-April, 2011, analyses affordability of the NHIS contribution with all the household budget-based approach depending on the normative specification of affordability.

“The burden within the NHIS contributions to households is assessed by relating the expected annual NHIS contribution to household non-food expenditure and total consumption expenditure. Households which simply can’t afford full insurance were identified. Results demonstrate that 66% of uninsured households and 70% of partially insured households can afford full insurance regarding their members,” the learning says.

The study, based on the report, saw that affordability of your NHIS contribution is sometimes cited by households like a major barrier to enrolment with no rigorous analysis of your claim.

“In light within the global involvement in achieving universal medical health insurance coverage, this study seeks to evaluate the extent arrangement affordability in the NHIS contribution may be a barrier to full insurance for households plus a burden on their own resources,” your research adds.

According towards the study, enroling all family in the NHIS would are the cause of 5.9% of household non-food expenditure or 2.0% of total expenditure but higher for households inside the first (11.4%) and secondly (7.0%) socio-economic quintiles.

“All the households (29%) seen as cannot afford full insurance were during the two lower socio-economic quintiles along large household sizes,” it says.

It notes that non-financial factors relating to attributes of the insurer and health system problems also affect enrolment in the NHIS. Affordability of full insurance is a burden on households with low socio-economic status and massive household size. Innovative measures are required to encourage abled households to enrol.

The study signifies that policy should are designed for abolishing the registration fee for the kids, pricing insurance based on socio-economic status of households and addressing the inimical non-financial factors to boost NHIS coverage.

By Emmanuel K. Dogbevi

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