KAP on Foreign Health Care System similar to NBB

Ghana National Health Insurance Scheme

National Health Insurance Scheme (NHIS) is the Insurance health system of Ghana and it is mainly
financed by the government, its development partners, and Ghanaian households (Social Security and National
Insurance Trust deductions). Ninety-five percent of diagnosed conditions are covered in this insurance program and it
has no out-of-pocket cost for services or pharmaceuticals and there are no cost-sharing requirements. NHIS policy
covers all outpatient, inpatient, and emergency care. Individuals exempted from premium payments are the people
identified as indigent, institutionalized, and beneficiaries of social protection programs (Wang, Otoo, & Dsane-Selby,
2017).

In the study “Assessing the Knowledge and Attitude towards Insurance in Ghana”, the research showed that
the respondents’ knowledge on Insurance and its claims vary depending on the age, income, gender, region, and
educational status. The respondents were asked on their knowledge about insurance generally (Health, Life,
Property, Automobile, Pension, and others). Among the age groups surveyed, individuals aged 35-44 had the highest
score on insurance knowledge index, which indicates higher insurance awareness. The respondents with higher
income also scored higher insurance knowledge index compared to individuals with lower income. Individuals living
in the Northern region had the least knowledge index about how insurance works perhaps because of the low level of
literacy and income in the region. Differences in gender also revealed that males had more knowledge about
insurance than females. Knowledge on insurance is predominantly high for the Patriarchal family and for households
with higher levels of income/education. In the same study, most respondents showed high level of confidence that
they would receive their benefits if ever they would make a claim, and majority of these individuals are female (Ackah
& Owusu, 2012)

References:

Ackah, C., & Owusu, A. (2012). Assessing the Knowledge and Attitude towards Insurance in Ghana . Retrieved from:
https://www.utwente.nl/igs/research/conferences/2012/microinsurance/Full%20papers%20and%20presentations/Full
%20papers%202a/Ackah%20%26%20Owusu_Microinsurance%20paper_final.pdf

Wang, Otoo, & Dsane-Selby, (2017). Ghana National Insurance Scheme. Retrieved from:
https://openknowledge.worldbank.org/bitstream/handle/10986/27658/9781464811173.pdf