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However, in its approach towards financing the scheme, the Ghanaian NHIS is unique in the continent, because it relies principally in the internal resource of the country, unlike many developing countries where a greater proportion of the health sector is financed through donor funding.The research is an explanatory impact evaluation geared to analyse the impact of the National Health Insurance Scheme (NHIS) in Ayigya, a suburb of Kumasi in Ghana.
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.
Identification procedures and guidelines have many weaknesses that create loopholes in the system.
The health facilities were overwhelmed by the sudden spike in attendance.
Measures have been taken to expand services and recruit additional health workers.
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.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.The majority of insured received health care free of charge for inpatient and outpatient care.In terms of out of pocket at a lower range of expenditure both the insured and non-insured spent an equivalent amount of money for outpatient care, however as the amount of expenditure rises only the non-insured tended to have a higher spending for the cost of drugs.A joint survey was conducted in 180 households initially to gather socio-economic data about the population.A total of 50 insured and non-insured individuals were randomly selected in order to analyse whether the introduction of NHIS improved the community's ability to access health care and provide financial protection against catastrophic payment.The objective of the NHIS is to secure the implementation of the national health insurance policy that ensures access to basic healthcare services to all residents of Ghana.The health insurance was set up to allow Ghanaian residents to make contributions into a fund so that in the event of illness members could be supported by the fund to receive affordable health care. Like all insurance schemes, different types of premiums are available under the country's NHIS.A predominantly tax financed health care system exists in developed countries, due to the fact that a high proportion of this countries population is employed in the formal sector.While, many of the developing countries due to high informality in their economies make use of multi source financing such as the premium contribution of health insurance subscribers, taxation and donor funding.