Health Insurance Case Study

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1.1 Background of the study
The affordability of health care is a vital issue in most areas in the world. The provision of affordable health care in many high,-middle- and low-income countries is high on the development agenda, given the large numbers of people that do not have sufficient means to access health service; worldwide, millions of people are pushed into poverty every year via the need to pay for health care (International Labour Organization, 2008).

Health insurance as a system of enhancing universal health coverage has gained a lot of interest for some time back (WHO, 2004; Ellenbogen, Ramsey and Danley 1996; Wagstaff, 2002). This may not be surprising as Carrin, Waelkens and Criell (2005) indicated
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However, by the early 1980s, under the impression of difficult economic challenges, deteriorating health infrastructure, and exceptionally large number of emigration of health workers, the government implemented a cost recovery scheme, partly as its response to pressure from the International Monetary Fund and World Bank-sponsored Structural Adjustment Program, (Mensah, Oppong-Koranteng and Frempah-Yeboah,…show more content…
Ultimately, the National Health Insurance Scheme (NHIS) was established under Act 650 in 2003 by the Government of Ghana to provide a broad range of health care services to Ghanaian via the district mutual and private health insurance schemes, (cited in Blanchet et al, 2012). Mensah et al (2010) envisaged the NHIS to eventually replace the cash-and-carry system and ensure efficiency by making health care affordable, improve access and health outcomes.

According to Ibiwoye and Adeleke, (2009) it multi-dimensional nature makes studies on health insurance coverage and access necessary. Some of these dimensions are the belief about its valve, perceived health status and such others like cost or availability of health insurance, (Brown and Richard, 2000) cited in (Ibiwoye and Adeleke,
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