Household perceptions and their implications for enrolment in the National Health Insurance Scheme at Sekyere South District

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August, 2015
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The health status of people indicates the wellbeing of the populace from spiritual being to the flesh. Millions of people in developing countries all over suffer from preventable health problems such as communicable diseases and complication of childbirth because they are simply poor. Healthcare financing in Ghana from 1950 up to 1966 was in line with the socialist philosophy of Dr. Nkrumah. Under the National Liberation Council healthcare was being paid by the individual but currently health care financing in Ghana is the National Health Insurance Scheme. Health insurance is increasingly recognized as a hopeful tool for financing equitable healthcare in low income countries. In addressing financial constraints for the poor and improve equity in access to care, Ghana passed the National Health Insurance law in 2003 which mandated the establishment of District-wide mutual health insurance schemes. The study seeks to assess households‘ perception and its implication on enrolment in the NHIS. The population of the study comprises of households in sekyere south district who subscribe to the NHIS. The study is conducted on a total 464 households and stratified and purposive sampling techniques are used in selecting respondent. Finding reveals that treatment provided by NHIS is effective for recovery and cure of sickness. There are challenges of inadequate doctors, lack modern medical infrastructure and lack of confidence in the scheme. There is a perception of good and quality service to the people in the district, and accessibility as and when one needs a service. The study recommended intensified education, training for official, drug availability and prompt payment of claims.
A thesis Submitted to the Department of Accounting and finance, Kwame Nkrumah University of Science and Technology (KNUST), in partial fulfilment of the requirement for the degree of Masters of Business Administration (Accounting Option),