Insurance and Demand for Healthcare: Examining the National Health Insurance Scheme in Ghana

Kofi Aduo- Adjei, Richmond Owusu


Introduction: Social health insurance is a collective pooled risk-sharing mechanism for providin all citizenry with eaqual acess to health care in Ghana.The purpose of the study is to examine the effect of insurance on demand of healthcare in the context of the National Health Insurance Scheme in Ghana.

Methods: This study used three methodological approaches; initially an internet search of 108 articles with defined criteria for selection, systematic reviews and content analysis of the selected publication was also used to discuss this study on its objective.

Results: Empirical evidence for the findings indicated that outpatients and inpatients service utilization has consistently increased since the introduction of the National Health Insurance Scheme in Ghana.

Conclusion: The findings of the study provide an important insight for policy makers to mark-up strategies to meet the ever-increasing demand for healthcare and also ensure sustainability of the scheme to achieve universal health coverage.

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