The impact of Mutual Health Insurance scheme on access and quality of Health Care in Northern Ghana: the case of Kassena-Nankana east scheme.
The impact of Mutual Health Insurance scheme on access and quality of Health Care in Northern Ghana: the case of Kassena-Nankana east scheme.
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DOI：
10.5539/jsd.v4n5p125
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发表时间：
2011-01-01
期刊：
影响因子：
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通讯作者：
Fielmua, N.
中科院分区：
文献类型：
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作者：
Alatinga, K.;Fielmua, N.
本研究探讨了相互健康保险对加纳北方农村贫困人口获得医疗保健的机会和质量的影响。通过家庭调查和重点小组讨论，该研究确定，互助健康保险改善了穷人获得医疗保健的机会，因为投保人使用医疗设施的次数是未投保人的近3倍。在要求医疗保健时，投保人支付的自付费用同样比未投保人低。收入较高的家庭一般都参加健康保险，而社区中最贫穷的部分则有可能被排除在外，因为他们付不起保险费。有人建议，由于保险费的统一费率性质使大多数家庭无法参加医疗保险，因此，保险费可以对农村穷人更加灵活。
This study examines the Impact of Mutual Health Insurance on Access and Quality of Health Care for the Rural Poor in Northern Ghana. Using household surveys and focused group discussions, the study establishes that Mutual Health Insurance improves the poor access to health care as the insured use nearly 3 times of health facilities more than the uninsured. The insured equally pay relatively lower out-of-pocket fees than the uninsured at the point of demanding health care. Households with higher incomes generally enrol in health insurance while the poorest segment of the community risk being excluded because they cannot afford the insurance premiums. It is recommended that since the flat rate nature of insurance premiums is what prevents majority of households from enrolling in health insurance, the premiums could be made more flexible for the rural poor.