In recent years the number of formal risk-sharing schemes for health
care services in Ghana has risen rapidly. At present about 42 out of 110
districts are operating some form of formal community-based health
insurance, which are voluntary and to a greater extent integrated to
health care facilities. The success of these schemes depend largely on
the extent to which they directly or indirectly lessen the financial
burden of people who have suffered most since the inception of economic
reforms in the health sector.
The paper looked at the social inclusion aspects of the schemes by
studying demand for the two oldest schemes by the poor and exploring
design features that could enhance better coverage and improve financial
protection for health care services. The findings portray a remarkable
exclusion of the poorest of the poor, even from other forms of
risk-sharing arrangements in the informal sector. The paper also
identifies limitation on plan choice as a constraining factor and
highlights re-direction of subsidies from urban areas to favour rural
Demand for voluntary health insurance by the poor in developing countries: evidence from rural Ghana, presented at Staying Poor: Chronic Poverty and Development Policy, Institute for Development Policy and Management, University of Manchester, 7-9 April 2003. Chronic Poverty Research Centre (CPRC), Manchester, UK, i + 24 pp.
Demand for voluntary health insurance by the poor in developing countries: evidence from rural Ghana.