GHANA HEALTH INC. NHIS COUNTRY CASE STUDY REPORT 27th June 2013
Transcription
GHANA HEALTH INC. NHIS COUNTRY CASE STUDY REPORT 27th June 2013
GHANA HEALTH INC. NHIS COUNTRY CASE STUDY REPORT By Ghana Health Inc Team (Felix A. Asante Daniel K. Arhinful Ama P. Fenny Anthony Kusi) 27th June 2013 Acknowledgements The research leading to these results has received funding from the European Commission's Seventh Framework Programme FP7/2007 under grant agreement No. 261440. The views expressed in this document are the sole responsibility of the author and do not necessarily reflect the views of the European Commission. i TABLE OF CONTENTS ACRONYMS / ABBREVIATIONS.............................................................................iv 1. INTRODUCTION .................................................................................................. 1 2. BACKGROUND .................................................................................................... 2 3. 2.1 Country/State context........................................................................................ 2 2.2 Health systems context ..................................................................................... 7 2.3 Social Health Protection ................................................................................. 12 2.4 National Health Insurance Scheme (NHIS) .................................................... 14 2.5 Gaps in evidence ............................................................................................. 16 2.6 Research objectives, questions and hypotheses .............................................. 17 METHODOLOGY ............................................................................................... 18 3.1 Selection of study sites.................................................................................... 18 3.2 Mixed methods approach ................................................................................ 19 3.3 Quantitative method: household survey.......................................................... 20 3.3.1 Sampling strategy and size....................................................................... 20 3.3.2 Design of the questionnaire ..................................................................... 20 3.3.3 Data collection process ............................................................................ 20 3.3.4 Identification of households for study ..................................................... 21 3.3.5 Mapping and listing ................................................................................. 21 3.3.6 Supervision skills ..................................................................................... 21 3.3.7 Data entry, processing and analysis ......................................................... 22 3.3.8 Methodological challenges faced ............................................................. 22 3.4 4. 5. Qualitative methods ........................................................................................ 22 3.4.1 Sampling strategy..................................................................................... 23 3.4.2 Design of the topic guides........................................................................ 24 3.4.3 Data collection process ............................................................................ 24 3.4.4 Data entry, processing and analysis ......................................................... 25 3.4.5 Methodological challenges faced ............................................................. 25 ETHICAL CONSIDERATIONS .......................................................................... 26 4.1 Ethical clearance ............................................................................................. 26 4.2 Consent forms and permissions ...................................................................... 26 RESULTS ............................................................................................................. 27 5.1 Description and overview of data collected (all methods).............................. 27 ii 5.2 SPEC-by-STEP adopted by Ghana ................................................................. 29 5.2.1 Level 1: Targeted population ................................................................... 31 5.2.2 Level 2: Never insured ............................................................................. 33 5.2.3 Level 3: Previously insured household members .................................... 40 5.2.4 Level 4: Registered with the NHIS but yet to receive membership card. 46 5.2.5 Level 5: Active NHIS members (valid NHIS card holders) .................... 49 5.3 Access to educational, health and transport infrastructural services ...... Error! Bookmark not defined. 6. DISCUSSION ....................................................................................................... 55 6.1 Discussion of Results ...................................................................................... 57 7. CONCLUSION ..................................................................................................... 59 8. RECOMMENDATIONS ...................................................................................... 60 REFERENCES ............................................................................................................ 61 ANNEX........................................................................................................................ 64 1. SPEC Framework: Dimensions, Domains, Variables and Indicators ............... 64 2. SPEC Step-by-Step: Ghana............................................................................... 77 List of Tables Table 2.1: Macroeconomic Indicators (2007-2011) ...................................................... 3 Table 2.2: Selected Human Development Indicators for Ghana ................................... 4 Table 2.3: Trends in Poverty Incidence by Region and Location, 1990-2006 .............. 4 Table 2.4: Health Sector Output Indicators, 2005-2010 ................................................ 8 Table 2.5: Top Ten Causes of Outpatient Morbidity (2002-2009) ................................ 9 Table 2.6: Doctor to Population Ratio ........................................................................... 9 Table 2.7: Nurse to Population Ratio........................................................................... 10 Table 2.8: Selected Social Protection Instruments in Ghana ....................................... 13 Table 3.1: Districts for the Household Survey............................................................. 18 Table 3.2: Stakeholder Analysis – Part I ..................................................................... 22 Table 3.3: Stakeholder Analysis – Part II .................................................................... 23 Table 3.4: Potential Target Groups for the Formation of Focused Groups ................. 23 Table 5.1: Summary Description of the Sample .......................................................... 27 Table 5.2: Characteristics of household members who responded to the .................... 29 iii Table 5.3: Total Registered (cumulative) and Active Membership by Region, 2011 . 32 Table 5.4: Aggregate NHIS Subscribers by Category, 2010 and 2011 ....................... 32 Table 5.5: Perception about the NHIS by Respondents to the SPEC Pull-Out Questionnaire ............................................................... Error! Bookmark not defined. Table 5.6: Access to Educational, Health and Infrastructural Services by Insurance Status ............................................................................ Error! Bookmark not defined. Table 5.7: Perception on Access to Health Care.......................................................... 54 List of Figures Figure 2.1: Map of Ghana: Administrative Regions/Capitals........................................2 Figure 2.2: NHIS Total Inflow as at 31 December, 2009............................................Error! Bookmark not defined.6 Figure 5.1: Current health insurance status 2012; Household members......................32 ACRONYMS / ABBREVIATIONS AAK Abura-Asebu-Kwamamkese ANC Antenatal Care BMC Budget Management Committee CHPS Community-based Health Planning Services CSO Civil Society Organisation CSPS Centre for Social Policy Studies DMHIS District Mutual Health Insurance Scheme DSW Department of Social Welfare EA Enumeration Area ERP Economic Recovery Programme FGD Focus Group Discussion GDP Gross Domestic Product GHS Ghana Health Service GoG Government of Ghana iv GPRS I Ghana Poverty Reduction Strategy GPRS II Growth and Poverty Reduction Strategy GSS Ghana Statistical Service HDI Human Development Index HIPC Heavily Indebted Poor Countries IRB Institutional Review Board ISSER Institute of Statistical, Social and Economic Research LEAP Livelihood Empowerment against Poverty MDG Millennium Development Goal MESW Ministry of Employment and Social Welfare MMDA Metropolitan, Municipal and District Assembly MOH Ministry of Health NDPC National Development Planning Commission NGO Non-Government Organisation NHIA National Health Insurance Authority NHIC National Health Insurance Council NHIF National Health Insurance Fund NHIL National Health Insurance Levy NHIS National Health Insurance Scheme NMIMR Noguchi Memorial Institute for Medical Research NSPS National Social Protection Strategy OPD Outpatient Department OVC Orphan or Vulnerable Child PAMSCAD Program of Action to Mitigate the Social Costs of Adjustment PCA Principal Component Analysis PNDC Provisional National Defence Council PWD Person with extreme disability RHD Regional Health Directorate SAP Structural Adjustment Programme SPEC Social, Political, Economic and Cultural SSNIT Social Security and National Insurance Trust TB Tuberculosis UN United Nations VAT Value Added Tax v vi 1. INTRODUCTION The research project puts forward the hypothesis that social exclusion is an important cause of the limited success of recent health financing reforms. Firstly, social exclusion can explain barriers to accessing health care. Social exclusion from health care provision may be due to disrespectful, discriminatory or culturally inappropriate practices of medical professionals and their organisations, within the context of poor accessibility and quality of care. Social exclusion from health care services means that removing financial barriers does not necessarily guarantee equitable access to health care. Secondly, social exclusion can explain barriers to accessing the health financing mechanism itself. The main objectives of the study were as follows: (1) To conduct are view of existing evidence on social exclusion and inclusion and health in the country/state to be studied; (2) To adapt the conceptual framework and research tools for the country/state to be studied; (3) To describe the goals of the health financing system and to assess the extent to which equity and social inclusion are articulated; (4) To review evaluations of the health financing system so as to identify existing evidence of whether it is equitable and socially inclusive;(5) To identify the main mechanisms for social and financial inclusion and exclusion in the health financing system and (6) To identify multi-sectoral collaborations between government ministries which promote social inclusion in health financing. Research questions: • • • • • • What are the reasons for the limited success of the health financing arrangement in providing free or “affordable” access to care to the below poverty households in Ghana? What does social exclusion mean or how is it understood in Ghana and what are the indicators of social exclusion in Ghana?Does social exclusion prevent the development of health care financing for the informal sector in Ghana and how? Does the National Health Insurance Scheme (NHIS) reduce or increase social exclusion in Ghana and how? What is the potential of NHIS for reducing social exclusion in Ghana? What is the potential of policy makers in health and other sectors for reducing social exclusion in the NHIS in Ghana? 1 2. BACKGROUND 2.1 Country/State context Background profile of Ghana Ghana is a relatively small country in the west coast of Africa with a land size of 238,537 km2with a population density varying from 897 per km2 in Greater Accra Region to 31 per km2 in the Northern Region. The country is divided into 10 administrative regions and 170 metropolitan, municipal and district assemblies (MMDAs). Ghana’s population is estimated at 24.2 million with 51.3 percent being females in 2010 (GSS, 2010). It is estimated that about 41 percent of Ghana’s population are aged below 15 years while 5 percent are above 65 years (DHS, 2008). About 51 percent of the population live in urban areas as of 2010 from 36.4 percent in the 1990 (UNDP, 2010). Ghana’s neighbouring countries include Burkina Faso to the north, Togo to the east and Cote D’Ivoire to the west. The south is bordered by the Gulf of Guinea. Figure 2.1 Economy of Ghana Ghana is a low middle income country after the rebasing of the national accounts in late 2010. The Gross Domestic Product (GDP)was estimated at US$43,388 million in 2010 increasing to US$55,300 million in 2011. Ghana’s economic growth in 2011 of 14.4 percent from 7.7 percent in 2010 was mainly due to oil exports, which started in Ghana in 2011. The major driver to this overall growth of the economy was the robust 2 performance in the non-oil sector and the commencement of oil production in Ghana. This made the industrial sector the main driver of economic growth. Ghana’s economy since political independence in 1957 has been dominated by the agricultural sector in terms of employment creation and contribution to GDP. The dominance of the sector which is characterised by subsistence agriculture and a major contribution of cocoa exports has seen a decline since the 1990s. The services sector is now the largest contributor to GDP contributing to about half of the nation’s GDP (Table 2.1). The major growth points of the services sector include transport, finance, insurance, real estate, business services, trade and government services. Ghana’s major export commodities include cocoa, gold, diamonds, timber and horticulture while her major imports also include capital equipment, petroleum products and foodstuffs. Table 2.1: Macroeconomic Indicators (2007-2011) Indicator Growth in GDP at constant 2006 prices GDP current (million $) 2007 2008 2009 2010 2011 6.5 24,632.9 8.4 28,203.9 4.0 25,773.3 7.7 43,388 14.4 55,300 31.8 19.0 49.2 29.9 18.6 51.4 25.6 25.9 48.5 Distribution of GDP (at basis prices) by economic sector Agriculture 29.1 31.0 Industry 20.7 20.4 Service 50.2 48.6 Source: GSS, 2012 Human Development Indicators Human development in Ghana is relatively low with vast disparities across the country. Ghana ranked 130 on the Human Development Index (HDI) in 2010 with a value of 0.467. This signifies a low level of human development in the country. The life expectancy of the population is estimated at 60 years (57years for men and 64 years for women). Though Ghana’s adult literacy rate of 65 percent is relatively high in Africa, the mean years of schooling is only 7.1 years. Only about 29 percent of the population have at least secondary education. The low human development is manifested in widespread poverty and deprivation among the population though the proportion in extreme poverty has been declining since 1991 (Tables 2.2a and2.2b). Available data indicates that 18 percent of the population lived in extreme poverty in 2006 with high inequalities between rural and urban areas (25.6 percent vs. 5.7 percent) and between Northern Ghana and Southern Ghana as shown in Table 2b. The situation is even made worse when poverty is defined to include deprivation and vulnerability. About 46 percent of the population was estimated to be living in multidimensional poverty in 2010. While access to improved water sources is generally good at 80 percent, only 10 percent of the population have access to improved sanitation facilities. The generally low standard of living among the population is reflected in the country’s high mortality indicators. Notwithstanding the poor human development indicators, Ghana has made substantial progress over the past few years in achieving its Millennium Development Goals (MDGs) giving hope for the future. 3 Table 2.2: Selected Human Development Indicators for Ghana Indicator Human Development index (HDI) (value) Life expectancy at birth, total (years) 2010 0.467 60.0 Adult literacy rate (%) - Male - Female Mean years of schooling (years) Population with at least secondary education Population below national poverty line (2006) % Population below extreme poverty line (2006) % 65 72 59 7.1 28.7 28.5 18.2 Population below $1.25 a day (2006) % Population in multidimensional poverty (Intensity of deprivation) Income Gini coefficient (2000-2010) Access to improved water source Access to improved sanitation facilities Adult mortality rate (per 1000 population) Under-five mortality rate (1000 live births) Infant mortality rate (1000 live births) Prevalence of underweight children under 5 years (%) 30.0 46.4 42.8 80 10 332 69 47 14 Sources: World Health Statistics, 2011, World Development Report, 2010, Human Development Report 2010, World Development Indicators, 2010 Table 2.3: Trends in Poverty Incidence by Region and Location, 1990-2006 REGION ASHANTI BRONG AHAFO CENTRAL EASTERN GREATER ACCRA NORTHERN UPPER EAST UPPER WEST VOLTA WESTERN Urban Rural National Total Proportion below the lower (extreme) poverty line 1991/92 1998/99 2005/2006 25.0 16.4 11.2 46.0 18.8 14.9 24.0 31.0 9.7 35.0 30.4 6.6 13.0 54.0 53.0 74.0 42.0 42.0 15.1 47.2 36.5 2.4 57.4 88.0 68.3 20.4 14.0 11.6 34.4 26.8 6.2 38.7 60.1 79.0 15.2 7.9 5.7 25.6 18.2 Proportion below the upper poverty line 1991/92 1998/99 2005/2006 41.0 28.0 20.0 65.0 36.0 29.0 44.0 48.0 20.0 48.0 44.0 15.1 26.0 63.0 67.0 87.9 57.0 60.0 27.7 63.6 51.7 5.2 69.2 88.0 83.9 38.0 27.0 19.4 49.5 39.5 11.8 52.3 70.0 88.0 31.4 18.0 11.0 39.0 28.5 Source: Ghana Statistics Services, 2007 4 Social exclusion in Ghana Social exclusion can be described as the systematic denial of particular groups of people from fully enjoying a set of social opportunities, such as the right to “participate on equal terms in social relationships in economic, social, cultural or political arenas” (GSDRC, University of Birmingham 2006).Social exclusion theory builds on the evidence that the causes of poverty and inequality are embedded in the structures of social systems and relationships − in exclusionary processes − and not in individual inadequacies (SEKN, 2008). SEKN (2008) defines social exclusion in the following way: Exclusion consists of dynamic, multidimensional processes driven by unequal power relationships interacting across four main dimensions − economic, political, social and cultural and at different levels including individual, household, group, community, country and global levels. Additionally, social exclusion may come about as a result of policies put in place to deliberately exclude specific groups of people from participating in a shared social opportunity. A practice which is quite common in African political economies whereby access to resources and opportunities are restricted to a limited group of people with the intention of gaining a future advantage in the form of political votes or professional favours. Social health protection is a critical component of social protection, underpinned by principles of solidarity and equity whereby all individuals are guaranteed access to an adequate package of health care based on needs rather than the ability to pay. In Ghana, health inequities are seen to be a major form of social exclusion. There is striking evidence of rural-urban disparities in access to health care services, inequitable distribution of health workers; striking disparities in access to health services between rich and poor and gender gaps in access due to poverty, deprivation and ignorance. Traditional concepts of social protection, based on the notion of mutual support, are still strongly rooted in Ghanaian culture, but are eroding under the influence of modernisation. Recently, attention has been given to the challenge of developing a broader, more comprehensive social protection system that would address the vulnerabilities and risks facing the mass of the population, and help to promote poverty reduction and human development. The drivers of social exclusion are many and often interrelated and the difficulty in conceptualising it and measuring it is seen throughout the literature. SPEC – Ghana Context Health Inc views social exclusion as a range of dynamic, multidimensional processes driven by unequal power relationships interacting across four main dimensions social, political, economic and cultural (SPEC) - and at different levels including individual, household, group, community, country and global levels (SEKN, 2008). Through literature review, Health Inc explores each of these four dimensions, resulting in the Health Inc SPEC framework. The SPEC-by-step tool, complementary 5 to the framework, aims at providing a simple yet structured checklist for guidance of social exclusion analysis in the Health Inc research. Ghana adopted this framework and adapted it to suit the context of the study. A brief overview of the dimensions as they relate to the Ghanaian context is given below. A copy of the localised framework is attached in the Annex Tables 1 and 2. Social The social dimension is constituted by proximal relationships of support and solidarity (such as friendship, kinship, family, neighbourhood, community, social movements) that generate a sense of belonging within social systems. Social bonds are strengthened or weakened along this dimension (SKEN, 2008). In the Ghanaian context we considered four different aspects of this dimension. Political The political dimension is constituted by power dynamics in relationships which generate unequal patterns of formal rights embedded in legislation, constitutions, policies and practices and the conditions in which rights are exercised, including access to safe water, sanitation, shelter, transport and power and to services such as health care, education and social protection. Along this dimension, there is an unequal distribution of opportunities to participate in public life, to express desires and interests, to have interests taken into account and to have access to services. In the context of this study we looked at two main areas, political resources and political and civic participation. For political resources, we considered amongst others access to educational opportunities, access to health, access to decent housing dwelling precariousness, access to transport infrastructures and services, access to administrative services and access to social assistance. In the area of political and civic participation, we concentrated on civic participation and efficacy focusing on empowerment issues such as knowledge of democratic rights and duties, awareness of their obligations and duties, participation in the elective process (national, local) voter enrolment and turnout and participation in the community governance bodies in local government structures. Economic The economic dimension is constituted by access to, and distribution of, material resources necessary to sustain life (such as income, employment, housing, land, working conditions and livelihoods). Here, we focused on material and economic resources such as ownership of property/housing, landholdings per acre per household, savings; ownership of other liquid assets, access to bank accounts and access to other credit (formal and informal). Another aspect that is considered is economic participation, specifically issues regarding employment and social welfare. Cultural Boundaries between social and cultural dimensions are difficult to draw because social participation is highly connected to cultural aspects such as values and norms 6 translated into current social practices. Many patterns of relational exclusion have been found to have cultural and historical origins, where people uphold norms and values which lead them to set themselves above others based on a variety of attributes. 2.2 Health systems context Health care system Health care in Ghana is delivered through a system consisting of four categories of service providers. The health system is made up of public facilities, private-for-profit facilities, private-not-for-profit facilities and traditional medical practitioners. In terms of ownership of the facilities, the public facilities owned by the government consisted about 65 percent of the total number in 2008 (Table 3). The private-forprofit facilities represented 26.4 percent while the private-not-for-profit facilities owned by religious groups represented 6.6 percent, but they have been estimated to provide about 42 percent of the total health services in the country (MOH, 2009). Quasi-government facilities mainly operated by the security services and the universities represented the remaining 2.1 percent. The organisation and the administration of the health sector is done through a welldefined structure with the Ministry of Health (MOH) at the apex. The MOH is responsible for national health policy formulation, monitoring and evaluation and resource mobilisation. It also regulates health services delivery. The Ghana Health Service (GHS) is also responsible for the implementation of national health policies and the management of public health facilities but its activities excludes those of the teaching hospitals and the quasi-government facilities. The teaching hospitals provide tertiary services and also provide the highest level of medical education and research in the country. At the regional level, every region has a Regional Health Directorate (RHD) to provide supervision and management support to the districts in the region. The region also has a regional hospital which provides specialised clinical and diagnostic care and serves as a referral hospital for the region. The District Health Management Team in each of the districts of the country is also responsible for district health planning, budgeting, management and supervision of facilities under its jurisdiction. The district has a district hospital which usually serves between100,000–200,000 people in a clearly defined geographical area and could have between 50-60 beds. It provides mainly primary health care services and some secondary care and operates as the first referral hospital for the district. At the base of the structure are the Budget Management Committees (BMCs) which are responsible for service provision at the sub-district and community levels. The sub-district is served by a health centre which provides primary health care and outreach services. The communities could also have rural clinics and Communitybased Health Planning Services (CHPS) to provide basic preventive and curative services for minor ailments at the community level (MOH, 2009). 7 Health sector indicators The performance of Ghana’s health sector continue to improve over the years though the situation is still far from impressive for some selected indicators. Outpatient Department (OPD) attendance per capita has been improving alongside indicators such at the Tuberculosis (TB) success rate and Antenatal care (ANC) coverage rate. Immunization coverage rates have also been encouraging (Table 2.4). Coverage for supervised delivery by skilled personnel is below 50 percent while the institutional maternal mortality ratio though declining is still high. Family planning coverage is also far below expectation. Table 2.4: Health Sector Output Indicators, 2005-2010 Indicator 2005 2006 2007 2008 2009 2010 - 67.6 76.1 84.7 85.3 86.4 88.7 88.4 89.5 97.4 92.1 90.6 46 44.5 35.1 39.5 45.6 48.2 - 3.2 2.6 2.2 2.9 2.0 OPD attendance per capita - 0.55 0.69 0.77 0.81 0.89 Family planning acceptors - - - - 31.1 23.5 HIV clients receiving ARV therapy Institutional Maternal Mortatlity Ratio (IMMR) - - - - 33745 47559 - - - - 170 164 Measles Immunization coverage rate 88.6 86.5 89.1 - Penta 3 Immunization coverage rate 87.8 86.6 89.3 - 87.6 88.1 88.7 - 70.1 76.3 78.6 TB Success rate Antenatal Care Coverage Supervised delivery by Skilled personnel HIV/AIDS Prevalence among pregnant women OPV 3 Immunization coverage rate Tetanus Toxoid Immunization coverage rate Source: Ministry of Health, 2011 The Disease Burden The disease pattern in the country has not changed much over the years. In a recent study, the health status of the country was described as ‘the onset of a health transition with a predominance of communicable disease conditions, malnutrition, high infant mortality, and generally poor reproductive health, with only recently emerging importance of non-communicable diseases, such as, diabetes and cardiovascular diseases’ (Gyapong et al. 2007). Table 2.5 presents the top ten causes of OPD morbidity in Ghana for the period 2002-2009. Malaria continues to be the number one cause of morbidity accounting for over 40 percent of the OPD cases. This is followed in the far distance by upper respiratory tract infections, diarrhoeal diseases and skin diseases. Hypertension has consistently remained the 5th cause of OPD morbidity constituting about 3 percent of all OPD reported cases. The continuous rise in hypertension and diabetes cases poses a serious challenge to the health system which is already constrained with both human and financial resources (de-Graft Aikins, 2005 and 2007, Seddoh et al, 2011). 8 Table 2.5: Top Ten Causes of Outpatient Morbidity (2002-2009) Disease 2009 2008 2007 2006 2005 2004 2003 2002 Malaria Upper respiratory tract infection 44.55 44.74 41.6 37.83 44.76 44.1 43.9 43.7 8.3 7.84 7.3 6.2 6.85 7.2 6.8 7.4 Diarrhoeal Diseases 3.39 3.81 4.3 3.38 4.15 4.3 4.2 4 Skin Diseases 4.16 4.17 4.3 3.34 4.15 4.1 4.3 4.3 Hypertension Home/Occupational Injuries 3.58 3.18 4.0 2.78 2.94 2.7 2.8 2.7 - 1.31 1.5 1.64 2.26 2.3 2.5 2 Acute Eye Infections Pregnancy and Related Complications Rheumatic and Joint Diseases 1.91 1.83 2.3 1.89 2.24 2.1 2.4 2.6 1.28 1.56 1.5 1.34 2.03 1.9 2 2.5 3.02 2.51 2.1 1.79 1.91 1.9 1.9 2 Anaemia 1.48 1.38 1.5 1.4 1.7 1.7 1.7 2 Others 25.96 27.67 29.6 38.41 27.01 27.7 27.5 26.8 Total 100.0 Source: CHIM/PPME-GHS 100.0 100.0 100.0 100.0 100.0 100.0 100.0 In terms of mortality, malaria is the number one killer. Other major causes of mortality include HIV/AIDS, anaemia, cerebro vascular accidents, pneumonia, hypertension, cardiac diseases and diarrhoeal diseases. The contribution of maternal deaths and road traffic accidents to total mortality in Ghana is also significant. Though most of the diseases afflicting Ghanaians are preventable and could be easily treated, resource constraints coupled with marked inequalities in the distribution of the available resources deny many people access to quality health care. It is estimated that about 37 percent of physicians trained in the Ghana have migrated abroad while 24.1 percent of nurses born in the country have also migrated. The doctor to population ratio of 1: 11, 929 in 2009 revealed an unacceptable situation with the regions in northern Ghana having one doctor to over thirty-five thousand people (Table 2.6). Increased workload has the potential to undermine the provision of quality health care to the population especially with the improvement in accessibility to health care. Table 2.6: Doctor to Population Ratio 2009 Region ASHANTI BRONG AHAFO CENTRAL EASTERN GREATER Number of Doctors 589 134 84 148 839 Doctor Population Ratio 8,288 16,919 22,877 16,132 5,103 Numbe r of Doctors 495 103 72 134 827 2008 Doctor Population Ratio 9,537 21,475 26,140 17,571 4,959 2007 Number of Doctors 428 96 63 128 755 Doctor Population Ratio 10,667 22,479 29,260 18,141 5,202 9 ACCRA NORTHERN 46 UPPER EAST 29 UPPER WEST 14 VOLTA 73 WESTERN 77 TOTAL 2,033 Source: Ghana Health Service, 2009 50,751 35,010 47,932 26,538 33,187 11,929 33 30 15 68 78 1,855 68,817 33,475 43,988 27,959 31,745 12,713 24 30 15 66 71 1,676 92,046 30,111 43,265 28,269 33,794 12,591 The nurse to population ratio is not any better as shown in Table 2.7. The situation in 2009 was better compared to 2008 and 2007. It has been observed elsewhere that ‘this low medical personnel to population ratio can barely support the optimal running of the present health system, let alone any scaled-up health system’ (Gyapong et al., 2007). Table 2.7: Nurse to Population Ratio 2008 2009 Number of Nurses Region ASHANTI 4,161 BRONG AHAFO 2,283 CENTRAL 2,369 EASTERN 2,871 GREATER CCRA 4,897 NORTHERN 1,708 UPPER EAST 1,262 UPPER WEST 895 VOLTA 2,421 WESTERN 2,107 TOTAL 24,974 Source: Ghana Health Service, 2009 Nurse Population Ratio 1,173 993 811 832 874 1,367 805 750 800 1,213 971 Number of Nurses 3533 1940 2104 2454 4656 1480 1051 758 2132 1753 21,861 Nurse Population Ratio 1,336 1,140 895 959 881 1,534 956 870 892 1,413 1,079 2007 Number of Nurses 2251 1099 1249 1977 4011 1131 798 537 1474 1197 15724 Nurse Population Ratio 2,028 1,964 1,476 1,175 979 1,953 1,132 1,209 1,266 2,004 1,342 Health care financing According to Gyapong et al., (2007) Ghana has a fragmented history of health care financing. Health care financing in Ghana has gone through several changes dating back to the pre-independence era and are often driven by political ideologies. The main sources of financing over the years have included general taxation, user fees (out-of-pocket payments), donor support and recently health insurance. During the colonial period, there was free health care for few civil servants but user charges were in place in public health facilities for non-civil servants. The situation however changed soon after independence in 1957. As part of the socialist agenda for the new government, health services became free to the public in public health facilities and were financed through general tax and donor support. With dwindling state funding to the sector resulting from the economic crisis in the early 1970s, nominal fees were charged at public facilities mainly to discourage frivolous usage of services (Agyepong et al., 2007). 10 The severe deterioration in economic performance in the country in 1970s continued to the mid-1980s. Aryeetey and Harrigan (2000) described the period 1973-1982 as a ‘period of unmitigated economic disaster’ as a result of the dramatic economic decline and the near collapse of economic and social infrastructures in the country. The country recorded negative real GDP growth (e.g. -6.92 percent in 1982 and -4.56 percent in 1983), decline in per capita income, hyperinflation, large fiscal deficit, massive unemployment, drought and food shortages coupled with severe external shocks due to falling export prices (Hutchful 1989, Aryeetey and Harrigan 2000, Todaro 2000).The introduction of the Economic Recovery Programme (ERP) in 1983 and the Structural Adjustment Programme (SAP) in 1987 to address the economic crisis led to the introduction of cost recovery policies in the public sector especially in the health sector. The Hospital Fees Regulation of 1985 required patients of public health facilities to pay fully for their drugs. The aim was to recover at least 15 percent of recurrent operating costs (Gyapong et al., 2007). In 1992 another change in the health care finance scheme led to what popularly became known as the ‘Cash and Carry’ system which was a full cost recovery policy for drugs in public health facilities. Patients also paid partly for consultation, laboratory services and diagnostic procedures, medical, surgical and dental services medical examinations and hospital accommodation (Asenso-Okyere et al., 1998, Nyonator and Kutzin, 1999, Atim et al., 2001). The negative effects of these user fees in Ghana on patients and their households in terms of access and utilisation of health services and household incomes are well documented (Waddington and Enyimayew 1989; Nyonator and Kutzin 1999; AsensoOkyere et al., 1998, Coleman, 1997; Seddo et al., 2011). Though there were exemptions under the health user fees policies for children under five years, pregnant women attending antenatal care services, the aged and the poor, poor targeting of the intended beneficiaries and delays in reimbursement of facilities made the implementation less effective (Atim et al., 2001; Gyapong et al., 2007). Ghana introduced a National Health Insurance Scheme (NHIS) in 2003 with the aim of removing previous barriers created by the user fees financing system. The NHIS benefits package covers over 95 percent of the most common and prevalent disease conditions in Ghana. This includes general outpatient and inpatient care, generic medicines, emergency care, comprehensive delivery care, diagnostic tests, oral health and eye care. However, highly specialised care such as organ transplants, dialysis for chronic renal failure and drugs such as HIV retroviral drugs that are not on the NHIS drug list are not covered by the scheme (Ghana National Health Insurance Authority, 2008). The main focus of this study is to assess the impact of the NHIS on access to health care with regards to the various levels of socioeconomic groups. The NHIS' stringent criteria for exemption means only 2.3 percent of all members are classified as ‘indigent’ lower than the 28.5 percent living below poverty line and 18 percent below extreme poverty line. Accordingly, the main research question is whether the NHIS offers the conditions necessary for the entire population to access good quality healthcare. 11 2.3 Social Health Protection In Ghana, the main objective of social protection strategies is to provide social assistance or social insurance which will enable the poor and vulnerable in society to access basic social services. Social protection is also meant to reduce shocks and risks that may occur by increasing people’s ability to manage such events when they occur. These have been done through a combination of facilities such as support in kind, cash transfers and exemptions. Ghana’s conceptualisation of social protection is the provision of basic social services to vulnerable groups and this is quite evident in the various social policies implemented over the years. However, whilst the provision of basic services may in theory reduce social exclusion, there is extensive evidence that access to these amenities by poor and vulnerable is not assured. Besides financial, political, social and cultural barriers, the poor implementation and monitoring of these programmes limit access among poor and vulnerable groups. Since the attainment of independence, governments have initiated many projects aimed at improving the wellbeing and standard of living of the Ghanaian society. Many of these have been stand-alone welfare programs which often encountered enormous challenges leading to their subsequent discontinuation. Amid the economic woes of the 1980s, the Provisional National Defence Council (PNDC) government embarked on the Programme of Action to Mitigate the Social Costs of Adjustment (PAMSCAD) to reduce poverty by providing training, work and income through community development projects for vulnerable workers, women and poor households. However, this programme came under high criticism for failing to carry out its mission as it rather favoured more men over women (Mensah, et al. 2002). A key turning point was the United Nations (UN) Social Summit of 1995 which drew attention to issues regarding social protection and the need for more enabling legislation to be introduced to strengthen social policy formulation. Since then many international and local Non-Government Organisations (NGOs) and civil society organisations have been instrumental in holding governments accountable for improvements in the livelihood of poor and vulnerable groups. As a result, there has been a gradual shift from the previously narrow and temporary social welfare programs to more encompassing social policies which are often embedded in the overall government developmental plans. Hitherto, there have been a number of policies that provide essential guidelines for the protection of vulnerable groups. Ghana produced its first Poverty Reduction Strategy Paper – the Ghana Poverty Reduction Strategy (GPRS I) in 2003 and entered the Heavily Indebted Poor Countries (HIPC) initiative. This enabled the country to mobilise more funding for social development and ensured that previously excluded groups were given more attention. The successor programme, the Growth and Poverty Reduction Strategy (GPRS II) for the 2006-2009 period, went further to mainstream social protection issues in the various sectors of the economy. The Ghanaian Government’s commitment to social protection is clearly expressed in the GPRSI and II as well as the National Social Protection Strategy (NSPS) which followed. These policy documents clearly pay progressively explicit attention to gender issues and related policy implications. The NSPS represents the Government of Ghana’s (GoG) current agenda framework for creating an all-inclusive and socially 12 empowered society and is founded upon the principle that “every Ghanaian matters and is capable of contributing his or her quota to national development” (NSPS; GoG, 2007). It envisages a Rights-Based Approach for the vulnerable and excluded as well as a Child-Centred and Gender Sensitive Approach to interventions. Meanwhile, a number of social protection programmes have been rolled out, many with a specific focus on women and children. The specific types of social protection measures currently in use in Ghana are detailed in Table 2.8. Table 2.8: Selected Social Protection Instruments in Ghana Type of social protection instrument Social assistance Programme example • • • • • Social insurance • • • Social equity • • • • • National Youth Employment programme aims at providing employment for the youth LEAP cash transfer provides financial assistance to the poor and vulnerable The Free School Uniform programme Capitation grant abolishes school fees by substituting these grants to schools School Feeding Programme provides one hot meal a day for targeted public school children Free bus rides for schoolchildren Free Maternal and Infant Healthcare addresses maternal and infant mortality in the country National Health Insurance Scheme aims at providing basic healthcare access National Programme for the Elimination of Worst Forms of Child Labour in Cocoa Elimination of Human Trafficking (Human Trafficking Act 2005) Domestic Violence Act 2007 Disability Act The Children’s Act 1998 In addition quite a few policies are in existence that provides essential guidelines for the protection of vulnerable groups, including: • National HIV/AIDS Policy, 2002 • Adolescent and Reproductive Health Policy, 2000 • Draft Ageing Policy, 2003 • Gender and Children’s Policy, 2003 • Early Childhood Development Policy, 2004 • National Policy Guidelines on Orphans and Vulnerable Children, 2006 The Livelihood Empowerment against Poverty (LEAP) Program The Livelihood Empowerment against Poverty (LEAP) Program is a social cash transfer program which provides cash and health insurance to extremely poor 13 households across Ghana to alleviate short-term poverty and encourage long term human capital development. LEAP started a trial phase in March 2008 and then began expanding gradually in 2009 and 2010. LEAP is still a relatively small pilot programme and, even after its initial five-year implementation period, will reach only about one-sixth of the extreme poor. The program is fully funded from general revenues of the GoG, and is the flagship program of its National Social Protection Strategy. It is implemented by the Department of Social Welfare (DSW) in the Ministry of Employment and Social Welfare (MESW). Eligibility is based on poverty and having a household member in at least one of three demographic categories; single parent with orphan or vulnerable child (OVC), elderly poor, or person with extreme disability (PWD) unable to work. Initial selection of households is done through a community based process and is verified centrally with a proxy means test (NSPS, 2007). Aside from direct cash payments, beneficiaries are provided free health insurance through the NHIS. The Draft Policy on Ageing The process of drafting the policy on ageing started in 1997 by a National Committee on Ageing was formed by the MESW. The Draft Policy was reviewed by the Centre for Social Policy Studies (CSPS) of the University of Ghana and submitted to the Ministry in February 2002. The Ministry has since initiated steps to have the policy ratified by Parliament. The main goal of the Draft Policy is to promote the social, economic and cultural re-integration of older persons into mainstream society, to enable them participate fully and as far as practicable in national development and social life, while recognizing their fundamental rights. 2.4 National Health Insurance Scheme (NHIS) Ghana has initiated various health sector reforms over the past decades aimed at improving the overall health system and increasing access to health care services by all groups of people. Health care financing in Ghana has gone through many dynamics recognizing free health care at the eve of independence, introduction of the nominal fee in the 1970sand the introduction of cost recovery mechanisms through user fees (traditionally known in Ghana as “cash and carry”). This was initiated in 1985 as part of a broad strategy to reduce government spending on the health sector and curb the shortages of essential medicines and medical supplies. The financial aims of the reform were achieved but this resulted in inequities in financial access to basic primary health care. The “Cash and Carry System” of paying for health care at the point of service was observed as a key financial barrier to health care access for the poor. The NHIS was launched to remove financial barriers to utilization of health care in a way that was sustainable and did not rely heavily on government machinery and funds. The National Health Insurance Act (Act 650) was therefore passed into law in 2003, with the main objective of increasing access to healthcare (by making it more affordable) and thereby improving health outcomes. 14 The structure of the NHIS is outlined in the National Health Insurance Act 2003, Act 650. The Act established a body corporate to be known as the National Health Insurance Authority (NHIA) with the mandate to secure the implementation of a national health insurance policy that ensures access to basic healthcare services to all residents (NHIS Act 2003, Act 650, NHIA, 2009). It is therefore the legal implementing body to register, license and regulate health insurance schemes; supervise the operations of health insurance schemes and grant accreditation to healthcare providers and monitor their performance among other functions. The NHIA also has a 15 member governing body known as the National Health Insurance Council (NHIC) with a chairman and a Chief Executive Officer appointed by the sitting president of the state. The composition of the NHIC is spelt out in Section 3 of the NHI Act 2003, Act 650. Another important feature of the NHIS is the establishment of the National Health Insurance Fund (NHIF) by the National Health Insurance Act. The purpose of the fund as contained in Act 650 is to provide finance to subsidise the cost of provision of healthcare services to members of district mutual health insurance schemes (DMHIS)licensed by the authority. Financing mechanisms of the NHIS The NHIF has five main sources which accumulate funds to operate the NHIS. The sources include the National Health Insurance Levy (NHIL), 2.5 percent social security deductions from formal sector workers managed by the Social Security and National Insurance Trust (SSNIT), GoG annual budgetary allocations proposed and approved by parliament to the NHIF, accruals from investments of surplus funds held in the NHIF by the NHIC and grants, gifts and donations made to the NHIF (Figure 1). In addition to these are the voluntary contributions paid by subscribers to the various DMHIS. The contributions/premiums vary among the DMHIS. These contributions are kept at the district level for claims payment and administrative support at that level. In terms of the contributions to the NHIF, the NHIL which is a 2.5 percent value added tax (VAT) levied on selected goods and services accounts for over 60 percent of the total revenue (Figure 2.2). In 2009, investment income and SSNIT contributions contributed 17 percent and 15.6 percent respectively to the NHIF. Sector budget support from GoG was 2.3 percent while insurance premiums, mainly from informal sector workers was only 3.8 percent. 15 Figure2.2: NHIS Total Inflow as at 31 December, 2009 Insurance premium, 3.8% SSNIT contribution, 15.6% Sector budget support, 2.3% Investment income, 17.0% Other income, 0.2% NHIL, 61% NHIS Membership registration Data from the NHIA indicates that 62 percent of the population had registered for the NHIS by the end of 2009 from a low of 6.31 percent in 2005. This figure had risen to 69.5 percent by the end of 2010. It is estimated that about 50 percent (34 percent from the National Development Planning Commission data) of the population are active members with valid membership cards (NHIA 2009, MOH 2011, Seddoh et al., 2011). NHIS enrolment figures must be interpreted with caution because there is a possibility of multiple registrations by persons who fail to review their membership and rather decide to register as new members to escape the penalty payment. Registration of categories The National Health Insurance Act 2003, Act 650 exempts certain categories of persons from paying premium to become members of the NHIS. They also pay for the registration process. The exempt groups under the act include SSNIT pensioners, individuals aged 70 years or more, children under 18 years and indigents (i.e. the poor and destitute). In July 2008, pregnant women were also added to the exempt groups. The exempt groups constitute over 60 percent of the registrants with children under 18 years forming the bulk. 2.5 Gaps in evidence Compared with most countries in the region, Ghana has clearly made impressive progress in developing a comprehensive social protection policy framework and in implementing operational programmes, some of which have been taken to significant scale. However, a number of challenges remain. The country faces difficult macroeconomic and fiscal challenges and is on the path to recovery from the effects of the global economic crisis. Nonetheless, the government has safeguarded social protection spending and in the 2009budget, increased expenditure on LEAP and expanded the School Feeding Programme while also introducing a new programme to provide free exercise books and school uniforms to 1.6 million poor children. 16 Primarily, weak inter-agency coordination and the lack of robust monitoring and evaluation systems make it difficult to ensure the effective implementation of programmes. Despite a range of exemptions, the NHIS still reaches only about half the total population, and membership is lowest among the poorer quintiles, owing to the cost of registration and annual premiums (Sarpong et al, 2010; Jehu-Appiah et al. 2011). LEAP is still a relatively small pilot programme and even after its initial fiveyear implementation period will reach only about one-sixth of the extreme poor. Many of the other social welfare services are small, fragmented and under-funded, depending mainly on donor funding in most cases. 2.6 Research objectives, questions and hypotheses The literature shows that social exclusion exists in Ghana as highlighted in the Ghana Human Development Report 2007. This is driven economically by the unbalanced socio-economic development traced to our political and economic history (NorthSouth Ghana, Rural-Urban). It is therefore not surprising that poverty has been proven to be a strong driver of social exclusion in Ghana. Majority of Ghanaians are not active members of NHIS but to what extent can we say that they are socially excluded? There are opportunities for further research to deepen our understanding of social exclusion in Ghana. Research questions specific to Ghana (based on SPEC results) 1. How much is the Government spending on social health protection programs and how has this impacted on social exclusion? 2. What efforts is the Government engaged in to reach the ‘socially excluded’ from formal social health protection programmes 3. What is the impact of the NHIS on health care utilisation? 4. Is the funding mechanism of the NHIS progressive or regressive for the different socioeconomic groups? 5. Are there any mechanisms to measure the extent of social exclusion in Ghana? 6. Are there any mechanisms to identify and reach the poor? 7. What proportion of NHIS members are in the exempt group? 8. What have been the pro-poor effects of the NHIS? 9. Are there any administrative deficiencies of the NHIS scheme (institutional capacity) and how has this affected the socially excluded? 10. Which supply-side constraints in Ghana need to be addressed to improve social health protection? 17 3. METHODOLOGY 3.1 Selection of study sites All households in Ghana constituted the study population (24.2 million). A total of 4,050 were interviewed in the five selected districts across the three ecological zones of Ghana, namely the coastal, forest and savannah (Table 2). The choice of these districts was informed by their level of development and previous working experience in these districts by the Institute of Statistical, Social and Economic Research (ISSER) team. They are all rural districts and relatively underdeveloped. It is expected that a representative random household survey in these districts would produce a significant sample of excluded individuals as well as the voluntary excluded populations. Table 3.1: Districts for the Household Survey Zone Region District Coastal Central Forest (south) Forest (middle) Forest (transitional) Savannah Eastern Ashanti BrongAhafo Northern Total Abura-AsebuKwamamkese (AAK) Kweabebirem Ejisu-Juabeng Asutifi SaveluguNanton Sampled households 810 810 810 810 810 4, 050 Background profile of selected districts Abura-Asebu-Kwamamkese (AAK) The Abura-Asebu-Kwamamkese was selected in the coastal zone. The district is bordered by the Cape Coast Municipality in the Central region and has a population of 90,093. The district remains predominantly rural with the majority involved in the agricultural sector. The Health Services of the district are organised around a fullfledged District Hospital and 69 community-based outreach clinics and 32 Traditional Birth Attendant outposts. Kwaebebirem Kwaebibrim district was selected in the coastal agro-ecological zone. The district is located in the South Western part of the Eastern region and has a population of 205,932. It is predominantly an agricultural district with about 77 percent of the labour force engaged in agriculture. Kwaebibirem has 33 health facilities, comprising of district hospitals, health centres, clinics and CHPS compounds. 18 Ejisu-Juabeng Ejisu-Juaben Municipal is one of the 27 administrative and political districts in the Ashanti Region. The Municipality is located in the central part of the region with a population of about 144,272. The rural settlements account for about70percent. The Municipal falls within the forest zone with agriculture being the main stay of its residents. The Ejisu-Juaben district has 1 district hospital and other health facilities like clinics, health posts and maternity homes. Asutifi In the forest agro-ecological zone, the Asutifi district was selected. It is located in the southeast of the Brong Ahafo region with a population of 108,993. It is typically rural with the predominant occupation being subsistence farming. Gold and diamond mining is undertaken in certain areas of the district. The district has 16 health facilities serving six-sub districts also comprising one district hospital, health centres, clinics and CHPS compounds. Savelugu-Nanton Savelugu/Nanton shares boundaries with the Tamale metropolis, the capital city of the Northern region. It is mostly rural with a population of 118,582. The vegetation is savanna grassland with subsistence farming being the main economic activity in the district. The district has 13 health facilities with the Savelugu District hospital serving as the district hospital. 3.2 Mixed methods approach i. Stakeholder analysis Stakeholder analysis was conducted in two parts. The first part consisted of a ‘stakeholder scoping’ exercise that described national and regional stakeholders (their motives, influence and role), restricting to the NHIS in Ghana. ii. Field Research The initial suggestion was to focus the field research on the categories of population who are exempted by the NHIS (elders, children, women etc). However, the feasibility and the relevance of such a “purposive” approach in the Ghanaian context were considered given the following reasons: 1. The lack of baseline information on the exempted groups, that made their identification difficult (e.g. the definition of ‘indigents’ is still not clear) 2. Using this approach to explore the voluntary exclusion process may not have been feasible 3. There was the necessity to carry out a general household survey to have an impact on the policy dialogue Hence, the study exclusively included districts or communities that faced strong exclusionary processes at the meso level (i.e. for the sampling). The research was carried out in geographical zones that presented high risk of exclusion, e.g. rural poor 19 districts so as to have both a significant sample of excluded individuals, but also still having the voluntary excluded populations. 3.3 Quantitative method: household survey 3.3.1 Sampling strategy and size A list of representative Enumeration Areas (EAs) for each district was obtained from the Ghana Statistical Service (GSS). These EAs are made up of rural and urban localities and are determined by the GSS for nationally representative surveys. In each district, 27 EAs were selected by the GSS. All households in each EA were listed by the ISSER team since a current list of households was not available. After the listing to obtain the sampling frame, 30 households (with an additional 10 households for replacement) were systematically sampled for the interviews. Thus, in each district, 810 households (i.e. 30 households x 27 EAs) were interviewed resulting in a total of 4, 050 households with an estimated household population of 16,200. 3.3.2 Design of the questionnaire For quantitative study, there were 2 questionnaires, the household questionnaire and a SPEC pull-out. The purpose of the household survey was to describe those that are socially excluded at each step of the SPEC tool (answering the question: who are socially excluded). Further, specific hypotheses like intra-household selection of members for enrolment was investigated in these interviews (who are the household members enrolled in the NHIS and who are not within the household). The purpose of the pilot was to pre-test the questionnaire as well as to do a ‘test-run’ of the actual survey. With regard to the pre-test, the questions in the survey were tested (relevance, wording, order, multiple choices, average time needed per respondent). The ‘test-run’ tested the research process (e.g. the sampling frame).Based on the results of the pilot, modifications in the questionnaire and the research process were made. 3.3.3 Data collection process For each household, there were questions asked on the SPEC (SPEC pull-out). The household head responded to the household questionnaire in addition to the SPEC pull-out. The spouse of the household head or in his/her absence an adult member of the household was also required to respond to the SPEC pull-out. Thus, two data collectors visited each household so that the head and spouse (in the absence an adult) were interviewed at the same time to ensure that they were not influenced by the other. All filled questionnaires were edited in the field by the field supervisors assigned to the interviewers. They were also finally checked by the office editor before data entry began. Training and orientation to equip and prepare field staff with relevant skills for the major research on social exclusion in health financing in Ghana was carried out in 20 April 2012. The training focused on qualitative and quantitative data collection tools of the study. The research team was thus trained to administer qualitative tools comprising focus group discussions (FGDs) and key informant semi-structured interviews as well as a quantitative tool made up of a household survey. The research team included a team leader, two supervisors and twelve interviewers. One supervisor and two interviewers were given additional orientation in the use of the qualitative tools while the remaining majority was responsible for the household survey. In general the fieldwork teams were taken through the following key modules to ensure a standard approach and administration on the field: • The principles of research ethics that guide social research such as respect for respondents, beneficence, and justice. • Understanding the detailed English and vernacular guidelines for asking study questions • How to locate the structures and households in the sample • How to fill in the Household Questionnaire and check completed interviews to be sure that all questions are asked and the responses neatly and legibly recorded • Returning to households to interview respondents who could not be interviewed during the initial visit To ensure that the research team was very conversant with the field instruments, a field test was carried out to pilot the tools and practice the field procedures. In addition to the general instructions to all fieldworkers, the following specific skills were also emphasized. 3.3.4 Identification of households for study EA maps obtained from the GSS showed all the households in the selected EA. 3.3.5 Mapping and listing Households within the selected EA were listed. Team leaders and supervisors were trained on the procedures for listing and selecting households. Households were systematically selected from the household list. 3.3.6 Supervision skills Supervisors were instructed on ability to adhere to survey schedules and instructions and be capable of guiding interviewers/enumerators and dealing with any unforeseen problems with the field administration. The desired skills of supervisors to exhibit high sense of maturity in community orientation with local government officials and traditional authorities were also emphasized. Supervisors were also given additional training in checking questionnaires and ensuring quality control. 21 3.3.7 Data entry, processing and analysis Data entry was done in CSPro. This was followed by editing and cleaning of the data set. The cleaned data set was then imported into SPSS and STATA for further processing. 3.3.8 Methodological challenges faced Delay in getting ethical clearance; lack of baseline data; difficulty in targeting. The field data collection was done during the rainy season and also because of the presidential election in December 2012 the data collection was perceived as being politically motivated. 3.4 Qualitative methods The initial set of stakeholders was identified by the literature review. These stakeholders were grouped into broad categories like the GHS, NGOs, Civil Society Organisations (CSOs), health providers, NHIS managers, etc. and socially excluded populations as identified by the literature review (the poor, women, elderly, urban poor etc.). Key informants from each of these broad categories were identified. A ‘map’ (or maps) of stakeholders was drawn describing the links (or the absence of links) between them as well as their role and influence (or lack of influence) in the NHIS (Table 3.2). Table 3.2: Stakeholder Analysis – Part I Purpose Methods Participants - NHIA -Ghana Health Service -NGOs, CSOs, - to describe national, regional & -Health service providers in study district stakeholders (their districts, motives, influence, role, etc.) on -NHI scheme managers in study the NHIS in Ghana districts Sampling strategy Data collection process Data analysis strategy -Literature review - Purposive sampling - In-depth interviews - qualitative analysis of KI interviews The second part of the stakeholder analysis was carried out after the policy recommendations had been drafted, at the end of data analysis. At this stage the purpose of the stakeholder analysis was to validate the policy recommendations (Table 3.3). 22 Table 3.3: Stakeholder Analysis – Part II Methods Purpose Participants - NHIA -Ghana Health Service -NGOs, CSOs, -Health service providers in study districts, -NHI scheme managers in study To validate findings and policy districts recommendations Participants Sampling strategy Data collection process Data analysis strategy As identified above As identified above In-depth interviews Qualitative analysis of indepth interviews 3.4.1 Sampling strategy Focus Group Discussions (FGDs) The purpose of FGDs was to know the perceptions and views of the socially excluded on the performance of the NHIS and to identify the barriers they face at each step of the SPEC tool. Analysis of the FGDs was to give an indication of the extent to which social exclusion acts as a barrier at each of the SPEC steps. A total of 40 FGDs were conducted in the five districts. The participants were selected after the household survey. Findings from the literature review, stakeholder analysis and preliminary results from the household survey provided the needed information for the formation of the groups. Each of the potential target groups was stratified by sex (male/female). Table 3.4 shows the target groups for the FGDs. Table 3.4: Potential Target Groups for the Formation of Focused Groups Targeted population Type (Potential targets - who?) Never insured • Voluntary exclusion • Socially excluded (unreached) Previously insured • Voluntary exclusion • Socially excluded Registered but yet to received ID • Socially excluded card • Non claimers (not using available Currently insured (Valid card services) holders) • Non-users (benefits not # 2 2 2 2 23 provided/received) Total per district Overall total (8 FGDs x 5 districts) 8 40 3.4.2 Design of the topic guides Key informants included community leaders, an opinion leader, district NHIS managers, health care providers (public and private) and national stakeholders. Relevant NGOs whose work is related to the subject matter of social exclusion were identified and interviewed. A total of 5interviews were conducted per district bringing the total to 25 in the five districts. Semi-structured interviews/Key informant interviews The purpose of semi-structured interviews was to describe the process of social exclusion at each step of the SPEC tool (answering the question: how and why).Further, specific hypotheses like intra-household selection of members for enrolment were investigated in these interviews (why are some household members enrolled in NHIS while others are not). Community Questionnaire Each of the 27 EAs were taken as a community and a community questionnaire was administered. In total there were 135 (that is, 27x5) community questionnaires. This questionnaire was administered to the community leader or an opinion leader in the community such as the chief or the person representing the community at the District assembly. 3.4.3 Data collection process For the team of three field staff that implemented the qualitative instruments, attention was also paid to the following: i. Focus group discussions (FGDs) How to effectively elicit data on the social and cultural norms of a group and in generating broad overviews of issues of concern to the cultural groups or subgroups represented. ii. In-depth interviews How to optimally elicit information on individuals’ personal histories, perspectives, and experiences, particularly when sensitive topics are being explored during interviews. iii. Data management The qualitative tool implementation team was given refresher orientation on indepth interviewing and FGD techniques as well as note-taking and data transcription. 24 3.4.4 Data entry, processing and analysis Qualitative data was transcribed and synthesized for the report. 3.4.5 Methodological challenges faced There were no methodological challenges in the qualitative survey. 25 4. ETHICAL CONSIDERATIONS 4.1 Ethical clearance The study was approved by the Noguchi Memorial Institute for Medical Research Institutional Review Board (NMIMR-IRB) 4.2 Consent forms and permissions Confidentiality In the consent form for all three instruments, there are statements describing how confidentiality of participants will be maintained. “I would like to assure you that the information you provide would be kept strictly confidential. There is no way your identity will be revealed to anyone apart from the members of the research team.” “You may also ask any question about this study if you so wish at this stage. Are you please willing to take part in this study based on the information I have provided you?” Voluntary Participation and Right to Leave the Research A statement that the research is voluntary and participants can withdraw without penalty. “You are free to participate in this study which will take between 15 and 20 minutes of your time to complete. If you agree to participate in this study, there are questions you may skip if you are not comfortable with them. You can also discontinue the interview if need be.” 26 5. RESULTS 5.1 Description and overview of data collected (all methods) The household survey involved a total of 4050 households in the five districts recorded 16,178 household members. The Savelugu-Nanton district in the Northern region accounted for 27.5 percent of the total household members. This is followed by Asutifi (19.7 percent) while the remaining three districts had a little over 17 percent each. The majority (53 percent) were urban dwellers compared to 47 percent in rural communities. About 53 percent of the total household members surveyed were females. Children under 18 years constituted about 48 percent while the elderly (≥70 years) formed just 3.8 percent. The remaining 48.5 percent were aged between 18-69 years (Table 5.1). The marital status of household members aged 15 years or more, the majority (56.8 percent) was either married or had partners. The remaining were either divorced (6.2 percent) or widowed (6.6 percent) while 30.5 percent had never married. Close to 65 percent of the household members surveyed reported to be Christians while 33 percent were Muslims. The remaining 2 percent either belonged to other religious groups or belonged to none. Not surprising, about 56 percent of the surveyed population were Akans because 4 out of the 5 districts surveyed are dominated by the Akan ethnic group which is the dominant ethnic group in Ghana. The Mole-Dagbani who are mostly found in Northern Ghana represented 29.5 percent of the sample. The remaining belonged to other minority ethnic groups including few non-Ghanaians. For household members aged 6 years or more, about 77 percent reported to have attended school. Just a little over half (35 percent) reported to have completed junior high or middle school (9-10 years). About 19 percent had completed primary school (6 years) while 35.2 percent had less than the 6 year primary education. Only about 11 percent had secondary or higher education. The mean years of schooling for household members aged 6 years and above was 7.0years. The AAK district (6.9 years) and the Savelugu-Nonton district (5.5 years) had means below the total sample mean while Kwaebibirem had 7.2years, Asutifi had 7.3 years with Ejusi-Juabeng having the highest of 7.7 years. In terms of households’ socioeconomic status, about 18 percent were in the lowest wealth quintile while 19.9 percent were in the highest wealth quintile. About 21 percent were in the middle quintile. Table 5.1: Summary Description of the Sample Characteristics Frequency (n=16,178) Region Ashanti Brong-Ahafo Central Eastern Northern Residence 2,853 2,882 2,809 3,184 4,450 Percent (100%) 17.4 19.7 17.6 17.8 27.5 27 Urban Rural Sex Male Female Age Children (under 18 years) Adult Elderly (≥70 years) Marital status (≥15 years) Never married Married/in union Divorced/separated Widowed Religion Christian Muslim Traditional None Other Missing Ethnicity Akan Ga/Dangme Ewe Guan Mole-Dagbani Other Highest school grade completed (≥6 years) Pre-school Primary Middle/Junior High school Senior High school Vocational/Technical sch. Post secondary or higher Don’t know Mean years of schooling (≥6 years) Wealth quintile1 Lowest Second Middle 8,526 7,652 52.7 47.3 7,537 8,641 46.6 53.4 7,716 7,830 608 47.7 48.5 3.8 2,843 5,291 573 614 30.5 56.8 6.2 6.6 10,503 5,341 104 194 15 21 64.9 33.0 0.6 1.2 0.1 0.1 8,976 467 781 77 4,781 1.039 55.5 2.9 4.8 0.5 29.5 6.8 3,202 1,681 3,152 656 130 275 19 35.2 18.5 34.6 7.2 1.4 2.8 0.2 9,725 7.0 2,980 3,218 3,343 18.4 19.9 1The wealth quintile to categorise households into different socioeconomic status was constructed using Principal Component Analysis (PCA). Twenty-six items were included and ranged from households’ housing characteristics (e.g. material of dwelling of floor, roof, and wall), ownership of durable assets (e.g. car, television, motorcycle, bicycle, radio, refrigerator, etc), access to basic utilities (e.g. electricity supply, source of drinking water, toilet facilities) to ownership of livestock, agricultural lands and building plots. 28 Fourth Highest 3,414 3,223 20.7 21.1 19.9 A total of 5,292 adults responded to the SPEC pull-out household questionnaire (Table 5.2). 60 percent were household heads while 31 percent were their spouses. The remaining 8 percent were other adult household members. The majority (60 percent) were females. The respondents had a mean age of about 42 years. The majority (59 percent) were married, 10 percent had divorced or separated while 13 percent had never married. With regard to their health insurance status, 54 percent were active NHIS members while about 28 percent reported to have never registered with the scheme. About 15 percent were previous members while 3.1 percent had registered but were yet to receive their membership cards. Table 5.2: Characteristics of household members who responded to the SPEC-pull out questionnaire Characteristics Active members (n=2,860) Obs Current health insurance status Previously Registered insured but yet to received cared (n=810) (n=164) Mean Obs Mean Obs Mean Never Insured (n=1,458) Obs Mean Total (n=5,292) Obs Mean Status in household Head 2855 0.59 810 0.57 164 0.60 1455 0.68 5284 0.61 Spouse 2855 0.33 810 0.34 164 0.28 1455 0.24 5284 0.31 Other adult 2855 0.08 810 0.09 164 0.12 1455 0.07 5284 0.08 Male 2860 0.35 810 0.38 164 0.38 1458 0.52 5292 0.40 Female 2860 0.65 810 0.62 164 0.62 1458 0.48 5292 0.60 Age (mean years) 2854 43.5 810 41.5 164 41.3 1457 40.9 5285 42.4 Never married 2857 0.12 810 0.13 164 0.12 1456 0.15 5287 0.13 Married 2857 0.60 810 0.61 164 0.62 1456 0.57 5287 0.59 Union 2857 0.07 810 0.08 164 0.07 1456 0.10 5287 0.08 Divorced/separated 2857 0.09 810 0.10 164 0.09 1456 0.11 5287 0.10 Widowed 2857 0.11 810 0.08 164 0.10 1456 0.07 5287 0.09 Sex Marital status 5.2 SPEC-by-STEP adopted by Ghana 29 Level 1: According to the National Health Insurance Act (Act 650) of 2003, all persons resident in Ghana other than the Armed forces of Ghana and the Police service are required to belong to a health insurance scheme. So the entire population of the country is targeted by the NHIS. Though membership of the NHIS is expected to be mandatory, implementation has so far been voluntary due to the difficulty in enforcing the act. Nobody resident in Ghana is legally restricted from joining the NHIS. The entire population of Ghana is targeted by the NHIS Level 2: The entire population of Ghana is reached by the NHIS through the170 District Mutual Health Insurance Schemes (DMHIS) operating in all the 216 districts of Ghana under the NHIA. Many communities in rural areas have registration agents of the DMHIS. General awareness of the NHIS by the population is very high because health insurance has become a very topical political issue since the 2000 parliamentary and presidential elections in Ghana. In Ghana’s latest Living Standard Survey of 2008 (GLSS 5), only 14.8% of the respondents had no knowledge of the NHIS since it had just began in 2005. While awareness of the NHIS has been observed to be very high, knowledge about specific issues relating to the NHIS such as the registration fees and period, renewal conditions, exemptions, the benefit package, etc may be lower than the level of awareness (NDPC, 2009). All the adults (100%) interviewed in this household survey reported to have heard about the NHIS. The entire population of Ghana is reached by the NHIS (Awareness of the NHIS) Level 3: Since its inception in 2005, the NHIS is reported to have a cumulative membership of 21.3 million by the close of 2011. This 21.3 million is cumulative membership but it is estimated that about 70% of the population of Ghana has registered with the scheme. The accuracy of this figure is difficult to determine due to inadequate national data. There is no national statistics on the proportion of the population which has never registered with the NHIS. Never enrolled Registered/Enrolled in the NHIS Level 4: For those who have ever registered with the NHIS, a certain proportion has withdrawn their membership by not renewing their annual membership. This proportion is however not known as there are not official statistics. Some of the people who have registered with the NHIS have not received their membership cards. While this number may be in the minority, there is no official statistics on it. In a nationally representative household survey, it was reported that 44.4%of the respondents were not registered while 7.7% had registered but had not received their membership cards. 47.9% had registered and had their valid NHIS cards (NDPC, 2009).Official statistics show that 34% of the national population are active NHIS members by the end of 2011 (NDPC, 2012). Previous NHIS members Registered but with no valid ID card Active membership (Valid NHIS card holders) 30 Level 5: For the active NHIS members (34% of the population), some may not use the available services (non-users) due to their belief systems. For instance, many pregnant women continue to delivery at home without skilled-care attendant though delivery is covered under the NHIS and pregnant women are exempted from paying premiums. Others may not use the services because of several barriers such as non-availability of health facilities, health personnel and transportation difficulties to access needed health care even though the cost of medicines and supplies have been covered under the NHIS benefit package. No official statistics exist on this category. Nonusers Active members (users of services) Level 6: It is possible that not all the NHIA active members who visit the health facility when ill will get full benefit. This is because their disease conditions may not be covered by the NHIS benefit package (e.g. cancer patients other than that of the breast and the cervix). Sometimes the prescribed drugs and medical supplies may not be available at the health facility and this can deprive them of full services. Not full benefit Active members with full benefit 5.2.1 Level 1: Targeted population According to National Health Insurance Act (Act 650) of 2003, all persons resident in Ghana other than the Armed forces of Ghana and the Police service are required to belong to a health insurance scheme. So the entire population of the country is targeted by the NHIS. Though membership of the NHIS is expected to be mandatory, implementation has so far been voluntary due to the difficulty in enforcing the Act. Nobody resident in Ghana is legally restricted from joining the NHIS. By the close of 2011, about 21.3 million people were reported to have ever registered with the NHIS since its inception in 2005 (Table 5.3). Only about a third of Ghana’s population was however described as active card holding members of the scheme in 2011. As a percentage of the total population of the regions, the Upper West had the highest (52 percent) active population followed by the Upper East region (47 percent) and the Brong-Ahafo region (43 percent) with the Central region having the lowest coverage of 24 percent of the population. What was of contrasting interest was the fact that the two poorest regions in Ghana, namely the Upper East and Upper West, ironically had the highest proportion of active population. The Northern and Central regions which are the next poorest regions in Ghana had active populations of 29 percent and 24 percent respectively. Surprisingly, the Greater Accra and Volta regions which are not comparatively poor also had less than 30 percent active membership. The premium exempt groups - mainly children under 18 years, pregnant women, people 70 years and over and indigents accounted for about 63.3 percent of the active population in 2011. 31 Table 5.3: Total Registered (cumulative) and Active Membership by Region, 2011 Region Total Registered (2005 2011) Actives (2011 New + 2011 Renewals) Informal Exempt Total 2011 Population Ashanti 4,610,778 712,963 1,138,022 1,850,985 4,725,046 Actives in 2011 as % of Total Population 39 Brong- 2,442,688 333,860 641,710 975,570 2,282,128 43 Central 1,700,591 184,953 313,858 498,811 2,107,209 24 Eastern 2,242,064 344,791 546,488 891,279 2,596,013 34 Gt. Accra 2,626,372 424,776 607,215 1,931,991 3,909,764 26 Northern 2,098,396 215,697 492,928 708,625 2,468,557 29 Upper East 1,098,262 163,736 319,745 483,481 1,031,478 47 844,856 112,520 241,951 354,473 677,763 52 Volta 1,516,310 205,558 244,138 549,696 2,099,876 26 Western 2,093,975 309,845 538,383 848,328 2,325,597 36 National 21,274,392 3,008,700 5,184,437 8,193,137 24,223,431 34 Ahafo Upper West Source: National Health Insurance Authority, Annual Progress Report, 2011 in NDPC 2012 Table 5.4 shows the aggregate NHIS subscribers by the category of members in 2011. The non-exempt group mainly in the informal sector constituted about 37 percent of the total registrants. Children under 18 years who only had to pay a registration fee were almost 50 percent. Formal sector employees who are SSNIT contributors represented only 4.4 percent of the members. The indigents who are exempted from paying both the premium and the registration fee were almost 4 percent. Table 5.4: Aggregate NHIS Subscribers by Category, 2010 and 2011 Category Number of Registrants as at Dec. 2011 Percent of Total Registrants 2011 36.78 4.37 Informal 3,013,436 SSNIT 358,040 Contributors SSNIT Pensioners 29,495 0.36 Under 18 years 4,073,628 49.72 Pregnant women Na Na 70 years and above 398,189 4.86 Indigents 320,352 3.91 Total 8,193,137 Source: National Health Insurance Authority, Annual Progress Report, 2011 in NDPC 2012 32 5.2.2 Level 2: Level of awareness and reach of NHIS All (100 percent) the adult household members (5,292) interviewed in the household survey using the SPEC pull-out questionnaire reported to have heard about the NHIS irrespective of whether they were NHIS members or not. About 82 percent of the NHIS members and 76 percent of the non-members felt that the information about NHIS from the media, the NHIA and the government was adequate 5.2.3 Level 3: Enrollment into the NHIS Though the NHIS has reached a large section of the population, our results show that 27 percent of the 16,178 household members recorded in the survey had never registered (never insured) with the NHIS since its inception in 2005. The remaining 73 percent had ever registered with the scheme (Figure 5.1). Figure 5.1 Table 5.5 shows the profile and the SPEC characteristics of the registered (enrolled) and never insured members of the households surveyed. The majority (58.0 percent) of the never insured were rural dwellers compared to 43.4 percent of their registered counterparts. The never insured household heads were younger (mean age of 43 years) compared to the registered household heads (48.5 years). With respect to the sex of the household heads, only 24.1 percent of the never insured were females while 37 of the registered members were males. Majority of the never insured household heads (69.9 percent) and 65 percent of the registered household heads were married or in unions. About 12 of the never insured heads and 13 percent of the registered heads were divorced or had separated from their partners. About 14 percent of the registered household heads were widowed. On social capital, 34.1 percent of never insured adult household members who responded to the SPEC household questionnaire belonged to a social organisation compared to a higher of 41.5 percent among the registered respondents. 33 On education, 61 percent of the never insured adults and 68 percent of the registered adults reported to have ever attended school. About 39 percent of the never insured household members had just pre-school education compared to about 34 percent of the registered household members. The NHIS registered household members seems better educated as 35 percent of them compared to 33 percent of the never insured completed junior high/middle school. Again, about 13 percent of the registered household members had senior high/vocational or higher education compared to 7.5 percent among the never insured. The registered members therefore had a mean of 7.2 years of education compared to 6.6 years for the never insured. On access to political resources especially with access to educational opportunities, the result shows that the respondents who had ever registered with the NHIS seemed to have better educational environment and conditions. The never insured household members were within longer time distances to the various educational facilities as shown in Table 5.5. Access to health facilities was similar to that of education for the never insured household members. A higher proportion of the never insured were more than 60 minutes away from the nearest regional hospital (63 percent vs. 59 percent), the district hospital (30 percent vs. 20 percent) and even the licensed chemical store (5 percent vs. 3 percent). The results on access to transport and administrative infrastructure show that the never insured relatively lived in remote communities. On the average, the never insured household members spent longer time in getting to the nearest tarmac road, daily and weekly markets as well as the district capital. With regard to political participation, about 90 percent of the never insured adult household members and 91 percent of the NHIS registered members reported to have voted in the last national elections. On access to material and economic resources, the results show that about 31 percent of the never insured compared to only about 14 percent of the ever registered members were in the lowest wealth quintile. While about 47 percent of those who had ever registered with the NHIS were in the two topmost wealth quintiles, only about 26 percent of the never insured were in that category. With respect to economic participation, 67 percent of the never insured adults and 60 percent of the registered adult NHIS members were self-employed. Only about 7 percent of the never insured and about 8 percent of the registered were in paid (wage) employment (both public and private).On their main economic activity in the past 12 months, about 45 percent of the never insured household members were engaged in agricultural activities compared to 32 percent among the registered. About 14 percent of the never insured engaged in manual jobs. A higher proportion of the registered household members than their never insured counterparts engaged in ‘white collar’ jobs (professional/managerial/technical/clerical jobs), sales or being students. For respondents whose main economic activity in the past 12 months was agriculture, a higher proportion of the never insured among them were small or large scale food crop producers compared to the registered members. About 30 percent of the registered compared to 18 percent of the never insured were cash crop producers. Culturally, majority of the household members were Christians with no major difference between the never insured and the registered. About 32 percent of the ever insured and 33.5 percent of the registered were Muslims. 34 Table 5.5: Characteristics of the never insured and the ever registered members of the NHIS Characteristic Social dimension Residence Urban Rural Mean age of household heads (in years) (n=4,031) Sex of the household head (n=4,036) Male Female Marital status of household head (n=4,036) Never married Married/in union Divorced/separated Widowed % of adults who belong to a social organisation Political Dimension % of adults (≥18 years) who ever attended school (n=8,421) Highest school level completed (≥6 years) Pre-school Primary Middle/Junior High school Senior High school/ Vocational/Technical school or higher Don’t know Mean years of schooling (≥6 years) (in years) Access to educational opportunities (Distance to the nearest educational facilities (mean time in minutes) Day care/nursery Public primary school Private primary school Junior high school Senior high school Health insurance status Not registered Registered (never insured) (n=11,795) (n= 4,383) 42.0 58.0 56.6 43.4 43.0 48.5 75.9 24.1 62.9 37.1 10.5 69.9 11.8 7.8 34.1 8.3 65.0 12.8 13.9 41.5 61.1 68.0 39.1 20.0 33.0 33.9 17.9 35.2 7.5 0.3 6.6 12.7 0.2 7.2 12.8 13.1 32.6 20.1 44.3 10.2 10.4 23.7 14.7 36.5 35 Access to health (% of population who are more than 60 minutes from the nearest health facilities) Regional hospital District hospital Private/NGO hospital Public health centre Private clinic Mission/NGO clinic Private pharmacy License chemical store Access to transport and administrative infrastructure (mean time in minutes) The nearest tarmac road The nearest all-seasoned road Weekly market Daily market District capital The nearest place with daily bus /taxi services Political participation (n=5,287) % of adults who voted in any of the recent elections Economic Dimension Wealth quintile (economic resources) First Second Middle Fourth Highest Current employment status (≥15 years) Self-employed Paid employment Student Apprentice Retired Unemployed Other Main economic activity in the past 12 months(≥15 years) Prof/tech/Mgt/Clerical Sales and services Manual Agricultural Student Other Respondents in agriculture (n=3,175) Small scale food crop producer Large scale food crop producer Cash crop producer Fishing (traditional) Other Cultural dimension 62.6 29.7 42.9 5.5 33.4 39.8 28.9 5.0 58.7 19.6 31.0 4.3 24.7 29.9 19.4 2.8 25.7 10.3 33.3 21.8 52.4 12.1 19.3 9.8 24.6 14.8 39.8 10.0 89.7 91.3 30.9 23.1 19.8 16.0 10.2 13.8 18.7 21.0 23.0 23.5 66.7 6.6 13.6 2.0 1.7 7.3 2.1 60.0 8.4 16.3 1.5 3.5 8.4 1.9 2.42 14.5 14.53 44.79 13.66 10.1 5.08 21.83 11.79 32.26 15.72 13.32 52.2 25.5 18.0 2.9 1.5 47.5 20.2 29.7 1.0 1.7 36 Religion Christian Muslim Traditional other 64.6 31.9 1.0 2.5 65.2 33.5 0.5 0.8 Main reasons for non-membership in the NHIS Majority of the never insured (48 percent) attributed their non-membership to the fact that the NHIS premium/registration fees was too expensive for them. More than 50 percent of the respondents in the first three low wealth quintiles compared to only 19 percent in the highest wealth quintile cited this reason as their major reason (Table 5.6). From the qualitative study, the discussions with the never insured in the communities suggested that most of them were fully aware of the benefits of enrolling in the scheme. They were aware that it is an initiative that one has to join in order to receive “free health care when you go to the hospital”. They were aware that once a member; “when you fall sick suddenly and you don’t have money you can go and be taken care of without paying any money” The main thrust of their contributions during focus group discussions was however to justify why they themselves have never been part of the scheme. The most frequent reason given by almost all respondents was financial constraints. They claimed to face lots of hardships and have no one to help them pay for the registration fee. As clearly stated by one female participant; “I want to do it but I don’t have money” (Participant, Female FGD, Abura Amoada) Another added; “It is due to hardship. We don’t have any work here except the farming work and we have children in school that is why we haven’t done it (Participant, Female FGD Akwasipon) The second major reason according to 23 percent of the never insured was that they did not need health insurance because they did not fall sick. This reason was cited by a higher proportion of respondents in the fourth (27.9 percent) and highest (48.1 percent) wealth quintiles. This finding is supported by the result from the qualitative study. Some of the never insured claimed that they had not bothered to join because they “don’t get sick often” and they are able to use herbal remedies to deal with occasional bouts of illness. Some even described it as painful having an insurance card and renewing it annually when they are not likely to use them or enjoy its benefits, suggesting that they are not aware or don’t accept the risk sharing principle underlying the scheme: To one participant; 37 “I don’t go to the hospital because I don’t get sick often even. [Even] if I am sick I usually use herbs. It is painful when you don’t use it but have to renew it every year” ” (Participant, Male FGD, Abura Amoada) About 9 percent of the never insured have not joined the NHIS because they just did not have the money to register and relatively higher among those in the lower wealth quintiles. Other reasons cited by a few others included lack of trust in the NHIS (1.8 percent), reports of bad news about the scheme (2.2 percent), long distances to registration centres (1.6 percent), not wanting to be a member (1.1 percent) among others (12.8 percent). Table 5.6: Respondents’ reasons for not been members of the NHIS Reason Premium/registration expensive Doesn’t fall sick Doesn’t have money No trust in NHIS Heard bad news about NHIS Doesn’t want to be a member Registration centre is far from community Ignorant about NHIS Other Total Wealth quintile First Second Middle Fourth Highest Total 57.6 14.2 10.7 2.0 52.1 20.5 10.6 2.6 50.5 23.1 8.5 0.2 38.2 27.9 7.2 2.3 19.0 48.1 3.1 1.4 48.0 23.0 8.9 1.8 2.1 1.0 2.4 2.4 4.7 2.2 1.2 1.2 1.2 1.1 0.7 1.1 1.5 0.5 10.4 100 0.7 0.2 11.1 100 1.2 1.1 11.8 100 3.9 0.6 16.4 100 1.0 1.4 20.6 100 1.6 0.6 12.8 100 The following are some quotes from the qualitative study to support the quantitative results; For me I have not done because when you go to the hospital they will not give you medicine; they will ask you to go and buy so it is not important for me to do it”(Participant, Male FGD, Abura Amoada) Another reason was a perception that people without NHIS cards receive better care than those who are insured. When it was initiated, a group of people were involved in an accident. Those who had health insurance were not properly taken care of. Meanwhile, those who didn’t have health insurance were treated better. That’s why I have no interest in it.(Participant, Male FGD, Savelgu) Another reason was based on the concern that it takes unusually too long to be issued a card after registration. 38 When you register and go for your health insurance card, they tell you to come for the card in 3 months time. If you happen to fall sick within that time the insurance won’t cover it. That’s why I haven’t done it. (Participant, Male FGD, Savelgu) 39 5.2.4 Level 4: NHIS card holders, no card holders and previous members Of the 11,741 (72.6 percent) household members who had ever registered with the NHIS, 20.1 percent (2,362) reported to have withdrawn their membership by not renewing their cards. About 6 percent (663) had not received their cards while 74.2 percent were active NHIS members because they were valid card holders. The active NHIS members were more urban (57.7 percent) while those with no cards were more rural (57.5 percent). There was a higher proportion of children among those registered but with no cards (60.6 percent) while the previous members had more adults (53.6 percent). Though only 4.4 percent of the ever registered were aged 70 years and above, the proportion was a little higher (4.9 percent) among the active NHIS members (Table 5.7). Among the household heads who had ever registered with the NHIS, the proportion that was married was higher among those with no cards (68.6 percent) and among the previous members (65.8 percent). About 15 percent of the household heads among the active NHIS members were widowed. About 43 percent of the previous adult members as well as those adults without cards reported to belong to social organisations compared to 41 percent of the active members. On the political dimension, 70 percent of the active NHIS members reported to have obtained some formal education. The proportion was lower among the previous NHIS members (63.8 percent) and those without cards (52.5 percent). Only 21.5 percent of those without cards had completed primary education compared to 36 percent among the active members and 35.4 percent among the previous members. About 14 percent of the active members had completed senior higher school or a higher level but the proportion was about 8 percent among the previous members and those without cards. The results further show that the active members had 7.3 years as the mean years of education and were followed by the previous members (6.9 years) and those without cards (5.7 years). Generally, the active NHIS members had easy physical access to various educational facilities as they were within shorter time distances educational facilities (Table 5.7). With regard to access to health facilities, the results were mixed though a little better for the previous members. Relatively, the previous members had better access to the nearest district hospital, private clinic, mission/NGO clinic and private pharmacy. Those without cards were also closer to the nearest regional hospital and the public health centre. The results further show that the active NHIS members and the previous members had better access to the selected transport and administrative infrastructure. For instance, they were closer (about 19 minutes) to the nearest tarmac road, weekly markets (24 minutes) and the district capital (about 40 minutes) compared to those without cards. Political participation was generally high for all the three groups. About 92 percent of the active members and 93 percent of those without cards participated in the recent national elections. The results on access to material and economic resources show that the active NHIS members were better off than the other two groups. For instance, while only 12 percent of the active members were in the lowest wealth quintile, it was almost 28 percent for those without cards. About 50 percent of the active members were in the fourth and highest wealth quintiles compared to only 28.1 percent for those without cards. 40 For economic participation, majority of the household members aged 15 years and above were self-employed. About 9 percent of the active NHIS members were in paid (wage) employment compared to 5.3 percent among those without cards. About 18 percent of the previous members were students with almost the same proportion of students (15 percent) among the active members and those without cards. Nearly 4 percent of the active members were retired while 8.7 percent were unemployed. On the specific economic activity they engaged in the past 12 months, a higher proportion of those without card (46.3 percent) engaged in agricultural activities. About 23 percent of the active members engaged in sales and services compared to only 13 percent among those without card. The proportion of professionals among the respondents was generally low but the proportion was higher (5.8 percent) among the active members. For respondents who engaged in agricultural activities, the majority were into small scale food crops production with a higher proportion among the previous members (58.2 percent) and those without card (51.2 percent). More than 30 percent of the active members were cash crop producers. For cultural participation, the religious affiliations of the household members were considered. Nearly 68 percent of the active members and 59.4 percent of the previous members reported to be Christians. The proportion of Muslims was higher among those without card (46.7 percent) and the previous members (39.1 percent). Table 5.7: Characteristics of the ever registered members by current insurance status Current health insurance status Active members (n=8,716) Previously insured (n=2,362) Registered but no ID card (n=663) 57.7 42.3 56.0 44.0 42.5 57.5 48.2 46.8 4.9 0.2 43.8 53.1 3.1 0.0 60.6 37.3 1.8 0.3 61.0 39.0 68.2 31.8 68.6 31.4 8.3 64.5 12.5 14.7 8.2 65.8 14.5 11.5 9.3 68.6 10.2 11.9 40.9 43.6 43.3 70.0 63.8 52.5 Social dimension Residence Urban Rural Age Children (≤18 years) Adult Elderly (≥70 years) Missing Sex of household head(n=2,752) Male Female Marital of household head (n=2,750) Never married Married/in union Divorced/separated Widowed % of adults who belong to a social organization (n=3,834) Political dimension % of adults (≥18 years) who ever attended school (n=6,079) 41 Highest school level completed (≥6 years) Pre-school Primary Middle/Junior High school Senior High school/ Voc./Technical school or higher Don’t know Mean years of schooling (≥6 years) (in years) Access to educational opportunities (Distance to the nearest educational facilities (mean time in minutes) Day care/nursery Public primary school Private primary school Junior high school Senior high school Access to health (% of population who are more than 60 minutes from the nearest health facilities) Regional hospital District hospital Private/NGO hospital Public health centre Private clinic Mission/NGO clinic Private pharmacy License chemical store Access to transport and administrative infrastructure (mean time in minutes) The nearest tarmac road The nearest all-seasoned road Weekly market Daily market District capital The nearest place with daily bus /taxi services Political participation (n=3,833) 32.2 17.3 36.0 35.8 21.0 35.4 54.6 16.2 21.5 14.3 0.2 7.8 0.0 7.7 0.0 7.3 6.9 5.7 9.8 10.3 22.5 13.8 35.8 11.7 11.1 25.4 16.3 37.0 10.3 8.6 33.6 20.4 44.1 59.6 20.0 30.9 4.7 25.7 30.4 19.6 3.2 56.8 16.7 30.4 3.5 20.9 26.9 16.9 1.7 54.1 25.9 34.9 1.4 24.8 34.2 26.9 1.4 19.3 9.9 24.4 14.1 39.2 18.9 8.7 24.4 16.8 40.9 23.0 14.8 28.4 17.2 44.9 9.6 10.9 12.9 % of adults who voted in any of the recent elections 91.8 89.3 93.3 Economic dimension Wealth quintile (economic resources) First Second Middle Fourth Highest Current employment status (≥15 years) Self-employed Paid employment Student Apprentice Retired Unemployed 12.2 17.6 19.9 23.1 27.2 59.4 9.1 15.8 1.3 3.9 8.7 1.8 15.8 21.6 25.2 23.6 13.8 60.9 6.6 18.1 2.1 2.4 7.6 2.3 27.8 23.4 20.8 17.8 10.3 67.0 5.3 15.1 2.1 2.1 6.7 1.7 42 Other Main economic activity in the past 12 months(≥15 years) Prof/tech/Mgt/Clerical Sales and services Manual Agricultural Student Other Respondents in agriculture (n=2,056) Small scale food crop producer Large scale food crop producer Cash crop producer Fishing (traditional) Other 5.8 22.7 12.0 30.3 15.3 14.0 3.1 20.9 10.3 36.4 17.6 11.7 3.2 12.8 14.2 46.3 14.2 9.3 43.2 23.2 31.4 0.7 1.5 58.2 11.1 27.6 0.8 2.3 51.2 23.2 19.2 4.8 1.6 67.8 31.0 0.3 0.8 59.4 39.1 0.7 0.9 50.6 46.7 2.6 0.2 Cultural dimension Religion Christian Muslim Traditional Other Main reasons for non-renewal of membership About 83 percent of previous NHIS members explained why they had not renewed their NHIS membership. Of this number (1,966), 44.3 percent complained that the premium and the registration fees were expensive for them. This complaint was made by all respondents irrespective of their wealth status though higher among those in the lowest wealth quintiles (Table 5.8). Surprisingly, this complaint was higher among the urban dwellers (46.8 percent) compared to the rural dwellers (40.9 percent). The second reason for non-renewal of membership cited by 14.8 percent was the fact that they were healthy and therefore did not need any health insurance. In one FGD, one participant who rarely falls sick stated that; Mine has expired for a long time now and it is not because of financial difficulties that is why I have not renewed it. I have not been sick for a long time. That is why I have not renewed my health insurance. (Participant, male FGD, Senchiam) Another 12.5 percent also complained that they just had no money to renew their membership (Table 5.8).During the FGDs in the communities, the general opinion of the previous members was that the NHIS is good because it provides free access to healthcare at the point of use for the insured. As one of them put it: 43 It helps them (the insured) a lot, because whenever you have health insurance and you go to the hospital, they will treat you free of charge. And even if they don’t have drugs to give you, they will explain to you and treat you, and give you prescription so that you can go to the drugstore and buy drugs. (Participant, Male FGD, Tampion) But the frequently cited reason was financial. An FGD participant typified it as follows: No money. … I have not renewed because I don’t have money. …recently I went to renew but because I had not renewed for a long time I had to pay the registration fee again. I couldn’t do it” (Participant, male FGD, Abenase) The complaints about financial difficulties were however not only in reference to individuals. Some people had financial difficulty renewing their premiums due to large family size, as one woman explained: I have seven children and the man has run away so I have done it for some of the children but not all of them. … That is why when I heard that you have come I came so that you will help me do it for them. Some are grown ups and in the secondary school, theirs are expensive unlike the children. the older ones pay 150 and they are three so I want you to help me do it for them so that when they are sick they can go to the hospital so I will not have any problem (Participant, female FGD,- Nkwantang) . About 9 percent of them also did not know that their cards had expired. Other reasons mentioned included lack of trust in the NHIS, no benefit from previous membership, long distances to registration centres, poor services to NHIS members or bad experiences with staff of health facilities, piloting of the capitation payment system in the Ashanti region among others. Table 5.8: Reasons for non-renewal of membership by wealth quintile Reason Lowest Wealth quintile Second Middle Fourth Highest Total Premium/registration is expensive Does not fall sick Does not have money Does not know it had expired Never benefited from it in the past Registration centre far from community Other Total 47.8 10.9 14.0 57.6 9.9 12.3 39.3 11.0 18.0 46.0 17.9 11.3 25.9 28.4 3.2 44.3 14.8 12.5 4.4 6.1 8.3 10.0 17.3 8.9 1.2 4.7 2.7 1.7 2.5 2.6 1.9 19.9 100.0 0.5 9.0 100.0 3.3 17.4 100.0 0.0 13.1 100.0 1.8 20.9 100.0 1.5 15.5 100.0 44 In the Ashanti region where capitation was being piloted at the time the data collection was carried out, members of the scheme were required to register with a facility and could only access health care from where they registered. Some of the non-renewal participants indicated that they did not renew their membership of the scheme because of their inability to access health care in any hospital of their choice except where they registered. One FGD participant explained that; Formerly, you could take the health insurance card to any hospital but now because of the capitation you have to go to only one hospital. I am not happy with that so I decided not to renew my membership so I can go to any hospital of my choice when I need help ( Participant, Male FGD, Abenase) Again, some also did not renew their membership on the basis of the notion that those without insurance receive better care than those who had. The reason why I have not renewed mine is that, I fell sick and went to the hospital and was told that if I want to be treated, then I have to put the insurance away. And at that time, I saw that they were separating those with the insurance from those without the insurance and they were serving them before us so I changed my mind (Participant, Male FGD, Abakrampa) A handful of participants also claimed that they renewed their membership but never received their cards. As a result they gave up after some time. I have renewed mine for three times but the card never came. I have renewed it for my child for three times and when she takes the picture, it doesn’t show, what can I do about it? I just gave up (Participant, Female FGD- Dinkyin) Possible reasons for non-receipt of registration/membership cards While it is difficult to offer reasons for not having their membership cards, it was possible that they were in the required waiting time as stipulated by the health insurance act. On the average, they had been waiting for 6.7 months though about 10 percent of them had been waiting for more than 12 months. Perhaps, the place of registration could be a factor for not receiving the cards. For instance, they were less likely to get registered at the NHIS district office (42 percent). A quarter (25 percent) of them got registered by NHIS agents in the communities, 23 percent got registered during mass registration campaigns, about 5 percent registered at the community health facility while the rest registered in other places different from their current place of residence. About 17 percent described the registration process as difficult or worse. They paid 7.7 Ghana cedis (SD=4.8 Ghana cedis) for the registration. But from the qualitative study, the respondents who had registered but had not received their cards affirmed that it was taking too long for the insurance scheme to issue cards to clients after registration. According to one FGD participant ‘it had taken more than 3 months and the schemes were still giving varied excuses for the delays’. According to some, the district schemes had explained that their names and other information they provided had been sent to Accra for the cards to be prepared 45 and that accounted for the delays. This was a great source of concern to this group of men and women. They concluded that this situation of the insurance scheme is unfair since they had duly paid for what was due them. The delay was stressful to them but their greatest pain in the circumstances is that they are made to pay for health care at the point of use during the three month waiting period. Two FGD participants captured this concern so well in two separate group discussions as follows: We registered but the cards are not in. When I was sick yesterday I had to pay. There are even cases where when the card comes you are given an expired card. When you follow them they will tell you that it has been sent to Accra. Some people tend to think it is the fault of the agent. It affects the image of the health insurance agent as people always think that they have spent their monies but if you go to Savelugu yourself, they will tell you the same thing that the card is in Accra ( Male FGD participant- Langa) We have done it but still have not received our cards anytime you ask him [the agent] he says it is not ready so when you go you have to pay. That is a problem for us (Participant, \Female FGD, .Denkyira) Another important point raised by some of these respondents is the issue of multiple registrations. They explained that this comes about because having failed to provide them with a card after the first registration; another group also comes demanding for them to pay to be registered again. To them it looks as though some fraudulent agents are taking undue advantage of clients and absconding with their moneys as one participant explained. I have paid several times but the agent spent my money and ran away and another agent came for the same thing and now I have paid but still have not received the card (Participant Male FGD Denkyira) Some were of the view that they expected to be given provisional cards during the waiting period but that never happens. Since the days of former President Kuffuor, I registered to join in Kumasi but I waited for three months before receiving the card. They also didn’t give any provisional card. I have registered several times and in all these instances they didn’t inform me of any provisional card (Participant, Female FGD. Fumesua) 5.2.5 Level 5: Users and non-users of health care services (Utilization) 46 Assessment of the users and non-users of health care services was based on the subsample of the study population who reported ill/injured in the past two weeks preceding the survey. In all, only 8.9 percent (1,434) of the household members reported an illness or /injury during the two weeks reference period. The proportion reporting an illness or injury was higher among the active NHIS members (10.3 percent) followed by the previous members (9.3 percent), those without cards (8.9 percent) and the never insured (5.8 percent). Because the sample size was small, the analysis was not restricted to only the NHIS valid card holders as expected under this section (Level 5). About 92 percent of those who reported ill/injured indicated that they sought health care for the illness/injury. The characteristics of the users and non-users of health care services during the recent reported illness/injury are presented in Table 5.9. Males constituted about 40 percent of the users and 43 percent of the non-users. More than half (53.3 percent) of the users were urban dwellers while about 56 percent of the non-users lived in rural communities. The proportion of active NHIS members among the users was higher (63.7 percent) compared to those among the non-users. There was also a relatively higher proportion (26.6 percent) of the never insured among the non-users. Majority (73 percent) of the adult non-users reported to have been to school. There was no difference in the number of years of education for both groups as each had a mean of 7.1 years. With respect to access to health facilities, the results show that about 63 percent of the non-users were more than 60 minutes away from the nearest regional hospital. A higher proportion of the no-users were 60 minutes away from the nearest district hospital (29.9 percent), private hospital (33.7 percent), the public health centre (7.9 percent) and the private clinic (28.7 percent). The non-users also had to travel longer time to get access to the nearest transport and administrative infrastructure as shown in Table 5.9. Economically, nearly 24 percent of the non-users compared to 17.2 percent of the users were in the lowest wealth quintile. The proportion of the users and the non-users in the highest wealth quintile were similar. Generally, there was no statistical difference between the users and the non-users in terms of the wealth quintiles (2=5.0372; p=0.283). In the past 12 months, 69 percent of the users and about 65 percent of the non-users were self-employed. About 8 percent of the users were in paid (wage) employment. About 9 percent of the non-users were retired while the proportions of the unemployed in both groups were about the same. On the cultural dimension, 73 percent of the users and about 83 percent of the nonusers reported to be Christians. A quarter of the users were Muslims. Few others among the users (1.1 percent) and non-users (3.5 percent) reported to have not religion. Total 5.9: Characteristics of users and non-users of health care services with reference to the recent reported illness/injury Characteristics Status Total 47 Users Non-users Social dimension Sex Male Female Residence Urban Rural Age Children (≤18 years) Adult Elderly (≥70 years) Insurance status Active members Previous members No card Never insured 39.9 60.1 42.7 57.3 40.1 59.9 53.3 46.7 44.4 55.6 52.6 47.4 44.9 47.1 8.1 35.3 54.3 10.3 44.1 47.7 8.2 63.7 15.1 4.0 17.2 50.43 17.9 5.1 26.6 62.6 15.3 4.1 17.9 65.1 73.0 65.8 7.1 7.1 7.1 60.8 19.7 32.0 3.3 23.4 29.4 17.2 2.3 62.6 29.9 33.7 7.9 28.7 28.7 19.8 1.7 61.0 20.5 32.1 3.6 23.7 29.3 17.5 2.5 19.0 7.5 25.3 15.5 42.0 9.5 27.3 11.1 28.8 21.3 51.6 10.0 19.7 7.8 25.5 16.0 42.8 9.6 17.2 21.9 21.3 21.0 18.5 23.9 17.1 23.9 17.1 18.0 64.9 5.2 5.2 1.3 9.1 17.8 21.6 21.6 20.7 18.4 68.6 7.5 6.0 1.1 6.4 Political dimension % of adults (≥18 years) who ever attended school (n=796) Mean years of schooling (≥6 years) (in years) Access to health (% of population who are more than 60 minutes from the nearest health facilities) Regional hospital District hospital Private/NGO hospital Public health centre Private clinic Mission/NGO clinic Private pharmacy License chemical store Access to transport and administrative infrastructure (mean time in minutes) The nearest tarmac road The nearest all-seasoned road Weekly market Daily market District capital The nearest place with daily bus /taxi services Economic dimension Wealth quintile (economic resources) First Second Middle Fourth Highest Current employment status (≥15 years) Self-employed Paid employment Student Apprentice 69.0 7.7 6.1 1.1 48 Retired Unemployed Other Cultural dimension Religion Christian Muslim Traditional Other 6.1 7.6 2.4 7.8 6.5 7.6 2.8 73.0 25.0 0.9 1.1 82.8 12.9 0.9 3.5 73.8 24.0 0.9 1.2 Reasons why health care was not sought for the recent reported illness/injury About 76 percent (89) of the household members who reported an illness or injury during the two weeks period but did not seek health care gave reasons for their action. Table 5.10 presents the reported reasons by the health insurance status of the respondents. The main reason cited by majority (46.1 percent) of the respondents was that the illness/injury was not considered as a serious condition. This was cited by 63.4 percent of the active NHIS members who did not seek care. All the 5 non-card holders and 54.2 percent of the never insured considered the cost of seeking health care as high to them. About 21 percent of the previous members indicated that they preferred to try traditional medicine while another 15.8 percent thought the illness was spiritual. About 15 percent of the active members also did not seek health care because they wanted to self medicate. Table 5.10: Reasons for not seeking health care for the recent reported illness by insurance status Insurance status Reason Illness not considered serious High cost of seeking health care Preferred to try traditional medicine Preferred to try self-medication Illness was considered spiritual Other Total Active members (n=41) 63.4 4.9 Previous members (n=19) 42.1 15.8 No card (n=5) 0.0 100.0 Never insured (n=24) 29.2 54.2 Total (n=89) 46.1 25.8 9.8 14.6 0.0 7.3 21.1 0.0 15.8 5.3 0.0 0.0 0.0 0.0 4.2 8.3 0.0 4.2 10.1 9.0 3.4 5.6 100 100 100 100 100 5.2.6 Level 6: Receivers of full benefit package and those who did not 49 Table 5.11 shows the facilities from where the sick first sought health care during the recent reported illness/injury. About a third (34.2 percent) of the active NHIS members (valid card holders) visited the public health centre which was followed by the district hospital (21.6 percent) and the pharmacy/drug store (11.2 percent). As many as 42.9 percent of the previous members and about 19 percent sought health care from the pharmacy/drug store and the public health centre respectively. For those without cards, the majority (37.7 percent) visited the public followed by the drug store (22.6 percent). About 38 percent of the never insured visited the pharmacy/drug store while 22.6 percent sought care from the public health centre. About 7.5 percent of them also resorted to self medication with modern medicines. Table 5.11: First source of health care for the last reported illness/injury Facility Regional hospital District hospital Private hospital/clinic Public health centre Mission/NGO hospital/clinic Pharmacy or drug store Traditional/spiritual healer Home treatment with traditional remedies Home treatment with orthodox medicine Self medication with traditional medicine Self medication with modern medicine Total Insurance status Active Previous members members No card (n=837) (n=198) (n=53) 4.9 3.5 15.1 21.6 9.6 15.1 13.9 7.1 3.8 34.2 18.7 37.7 9.6 2.5 0.0 11.2 42.9 22.6 0.2 0.0 0.0 Never insured (n=226) 3.1 9.3 8.0 22.6 3.1 37.6 1.8 Total (n=1,315) 4.8 17.4 11.4 30.0 7.0 21.0 0.5 1.0 3.5 0.0 2.2 1.5 0.6 6.1 0.0 1.3 1.5 0.7 2.5 1.9 3.5 1.5 2.2 100 3.5 100 3.8 100 7.5 100 3.4 100 From all these sources, it was difficult to assess whether valid NHIS card holders received the full benefits as stipulated by the NHIS benefit package. This is because the reported illness/injury may not be covered by the NHIS benefit package or the facility of treatment may not be an NHIS accredited facility. The respondents may also be ignorant of the full benefit package for the reported health problem. The available did not permit the analysis of the level 6 of the adopted SPEC framework which is restricted to valid NHIS card holders who visited NHIS accredited health facilities when ill/injured but did not receive the benefits as stipulated by the NHIS benefit package. However, respondents who sought health care from NHIS accredited public health facilities during the recent illness/injury were asked to indicate whether they thought they received the expected care. Generally, about 87 percent of the respondents were satisfied with the services they received with the proportion being higher among the previous members (90.3 percent) and the never insured (88.6 percent) (Table 5.12). A 50 few other respondents were not at all satisfied with the care they received irrespective of their insurance status. Table 5.12: Level of satisfaction of the health care received from service providers by respondents Level of satisfaction To a large extent To some extent Not at all Total Insurance status Active Previous Never members members No card insured (n=501) (n=62) (n=35) (n=79) 87.2 90.3 82.9 88.6 9.2 4.8 8.6 8.9 3.6 4.8 8.6 2.5 100 100 100 100 Total (n=677) 87.4 8.7 3.8 100 For the few respondents (12.5 percent) who were dissatisfied with the health care services they received from their service providers, the main complaint (69 percent) was that they did not get well after the visit. Others felt the reception given by the service providers was not the best (7.8 percent) while some (7.8 percent) complained that they did not get all their prescribed medicines at the facility. The remaining complaints (15.4 percent) related to high cost of treatment, delays at the health facility, referral to other facility and the fact that they were still recuperating at the time of the survey. 5.3.1 Perception of the NHIS by Respondents Generally, the never insured household members who responded to the SPEC pull-out questionnaire had negative perceptions about the NHIS (Table 5.13). For instance, 20.3 percent of the 1,453 never insured adults who expressed their views on the NHIS felt that spending money on health insurance was not a priority for them. According to 35 percent of them, health insurance is something meant only for the poor in society while about 15 percent agreed that if one was not sick often they should not get insured with the NHIS. About 51 percent also felt the office of the NHIS for registration and renewal was not convenient. From the qualitative study, the active NHIS members described the NHIS as a social support system that provides benefit for the rich and the poor as well as the weak and strong. One FGD participant vividly explained it as follows: I said that since the government brought this, my wife, children and I have done it so many times. We do it to protect ourselves from any unforeseen sickness. When you are unwell, you can just take your insurance card and go to hospital. By God’s grace, we are strong. … You have to renew it because even if you, your child or wife doesn’t fall sick, your family member can fall sick and they can use your contribution to help. That is why whenever it expires, we have to renew ( Participant, Male FGD, Mehame) Another participant stressed the risk sharing principle as follows: 51 There is nothing wrong with me and I usually don’t fall ill. If I have a headache I buy Para (paracetamol) 20 pesewas and chew and am free. If am dizzy I drink a bottle of malt [non alcoholic drin]. But my children take theirs (their cards) to the hospital (Participant, female FGD, Abura Adukrom) In effect some of the insured participants retained their membership in the NHIS to fulfill the hitherto requirement in the scheme that coupled the exemption of the payment of premium of children under eighteen to the membership status of their parents as a condition for the children enjoying the benefits of the scheme. Much as the insured were very positive about the scheme, they also had some reservations about it. One source of reservation was related to the situation of being given a prescription to purchase drugs from outside sometimes when they attend a health facility. The essence of [joining the NHIS] is to insure oneself now for a future date, when you fall ill. This implies that any treatment is supposed to be free, but this is not always the case. …Sometimes the drugs are not given out instead you would be given the prescription to buy it yourself. That is a problem – participant, male FGD Bonwire Some of the insured also had complaints about quality of care and suggested that people with insurance sometimes receive poor quality of care compared to those who pay cash at the point of use. When my child got sick and I took him to the hospital they gave him medicines but he was not getting well. When I took him again but didn’t use his insurance card they gave him quality medicines and he became well; because I paid – Participant, Male FGD Abura Adukrom 52 Table 5.13: Perception of the NHIS by Respondents to the SPEC Pull-Out Questionnaire Current health insurance status % who strongly agree or agree We are always able to cover health care costs in this household Active member Previously insured (n=2852) (n=810) Registered Never but yet to insured receive card (n=164) (n=1453) 63.6 15.7 30.8 51.6 17.9 40.5 62.2 14.1 36.6 46.1 20.3 34.7 90.6 100 89.9 100 89.6 100 80.9 100 81.9 97.2 15.3 90.2 79.4 32.2 74.1 96.8 11.5 86.5 65.6 37.2 76.6 96.8 10.1 84.8 57.3 27.9 75.6 89.7 15.2 72.9 48.7 29.1 Only those who fall sick should register with NHIS 26.6 6.7 32.1 6.4 21.5 3.8 25.1 7.1 NHIS members still have to pay for drugs and treatment when they visit a health facility 29.2 28.1 25.3 23.6 Spending money on health insurance is not a priority for me Health insurance is something for the poor Having health insurance is good as my contribution can also help other people when they fall sick Have you heard of the NHIS in Ghana? The information about NHIS from the media, the NHIA and the government is adequate It is good to be a member of the NHIS even if I don’t fall sick If one is not sick often they should not get insured with the NHIS NHIS helps people save money on hospital bills The office of NHIS for registration and renewal is convenient The insured members of NHIS are given poor quality drugs The insured members of NHIS are treated worse than people not insured by NHIS when they seek care at a health facility 53 5.3.2 Perception on Access to Health Care According to the adult household members who responded to the SPEC questionnaire, two-thirds (3,494) reported to have accessed formal health care services at least once in the last five years. The proportion was much higher among the currently insured (76 percent), the previously insured (69 percent), those registered but yet to receive their cards (57 percent) and the never insured (46 percent).Table 5.13 shows respondents’ perception on the health care services received during the last visit. About 88 percent of the currently insured and 87 percent of the never insured reported to take the decision to visit a modern health care facility when sick on their own. Not much differences were recorded between the currently insured and the never insured on whether it mattered if they were seen by a male or a female doctor/nurse at a health facility, whether they were seen by a younger or older doctor or nurse and whether they were treated differently than other patients when they sought care at a health facility. Compared to the others, more than half of the currently insured strongly agreed that they were treated with respect when they sought health care at a health facility. While about 54 percent of the currently insured strongly agreed that their concerns and questions were taken seriously by the medical staff at the health facility, the proportion was lower for the other categories of respondents. A similar observation was made on how the respondents felt about how their feelings and views were listened to by medical staff and whether doctors and nurses provided them with sufficient information about their medical situations. About 63 percent of the currently insured compared to 52.6 percent of the never insured strongly agreed that their health facilities provided adequate privacy during physical examinations. About 47 percent of all the respondents strongly agreed that they understood the vocabulary used by medical staff when they talked to them. The proportion was lower for those who were yet to receive their NHIS registration cards (44.7 percent) and the never insured (45.6 percent). Table 5.14: Perception on access to health care by health insurance status Current health insurance status 54 Active member Perception In general, when you are sick, who decides if you need to go to modern health care facility?-those who decide by themselves (%) Does it matter if you’re seen by a male or a female doctor/nurse?-No, it doesn’t matter (%) Does it matter if you’re seen by a young or an older doctor or nurse?No, it doesn’t matter (%) Do you feel you are treated differently than other patients when you seek care at a health facility? % NO Do you feel you are treated with respect when you seek care at health facilities? (%) Strongly agree Agree Do you feel that your concerns and questions are taken seriously by medical staff? (%) Strongly agree Agree Do you feel that your feelings and views are carefully listened to by medical staff? (%) Strongly agree Agree Do you feel you receive services that fully cover your needs? (%) Strongly agree Agree (%) Do you feel that doctors or nurses provide you with sufficient information about your medical situation? (%) Strongly agree Agree Do you feel that health facilities provide adequate privacy during examinations? (%) Strongly agree Agree Do you understand the vocabulary used by medical staff when they talk to you? (%) Strongly agree Agree Total (N) Previously insured Registered but yet to receive card Never insured Total 88.2 81.2 76.6 86.8 86.5 83.5 80.1 85.1 79.0 82.2 80.3 78.7 82.9 78.1 79.7 92.5 91.6 94.7 94.1 92.3 53.1 37.2 41.7 49.2 39.4 46.8 41.5 47.4 48.7 41.3 54.5 38.7 45.3 47.1 42.6 45.7 45.3 46.9 50.9 41.8 55.8 37.1 45.3 47.4 40.4 48.9 45.6 46.6 51.8 40.9 55.5 38.3 46.2 47.3 43.6 50.0 46.9 45.4 52.0 41.4 43.7 35.0 40.1 53.3 38.3 40.4 38.5 42.3 42.0 37.9 62.6 34.4 54.2 43.7 58.5 39.4 52.6 43.8 59.2 37.8 47.2 31.2 50.6 39.4 563 44.7 39.4 94 45.6 42.3 667 47.4 34.9 3,494 2,170 5.3.3 Views on accessibility to health from the qualitative study 55 In the Ashanti region, some participants in the FGDs complained about the restrictions imposed by the implementation of the capitation policy which made it impossible for them to use the NHIS card in another facility rather than where they registered. I registered at Juaben hospital. At first you can take it everywhere. Now they say capitation so everybody should register with one hospital so we asked them in case you are sick and at a different place can you use it but they said they have started in this district and after some time you can take it everywhere. Participant. Male FGD, Juaben Participants also described various ways that they were experiencing exclusion from the scheme apart from the exclusion arising from not having their insurance cards. One other form of exclusion they described was that the scheme did not cover all medicines and as a result one sometimes has to find the money to purchase some drugs. Whether you have money or not, whether you are poor or not, once you do the health insurance you can access healthcare…but sometimes even if you have the health insurance card they will ask you to buy medicine and if you don’t have money you can’t buy some of the drugs you need… then it becomes a problem- Participant, Female FGD, Denkyira. They also mentioned insurance status discrimination as another form of exclusion and explained that NHIS clients are discriminated against when it comes to health care provision. As a result, they are not keen to obtain their cards. One participant captured it in the following excerpts during a group discussion: Female FGD participant: There was a time my child got very sick in the night so I have to rush her to the clinic early in the morning. When I got there, the woman said because it is too early in the morning she won’t attend to us. And this was because I was using the insurance. Moderator: Did she tell you, it’s because of the insurance? Female FGD participant:: That is what I made out of it because as a nurse you have to attend to every sick person at any given time. I believe if I was paying cash, she would have attended to us. So I left there to the private clinic where I paid cash” Excerpts from FGD, Nkasiem Non-portability of the scheme, which refers to the inability of clients to access healthcare wherever they find themselves was also considered a source of exclusion for some clients: Recently, we heard the government said everybody should choose the hospital he wants so that when he is sick he can go there. That means if you don’t choose a clinic they will not accept your card there. So you either have to pay or go to the place you chose… it is the policy of the new government that has resulted in this situation. It’s a problem because you know we have travelers in Ghana, so if somebody travel from Fumesua and get sick in the north, then the person has to pay his 56 bills over there or must be carried back to Fumesua. Then what is the benefit of the NHIS. Participant Male FGD-Fumesua 6. DISCUSSION 6.1 Discussion of Results Ghana’s NHIS as part of the national social protection strategy is expected to cover every Ghanaian, especially the vulnerable in society. However, for almost a decade after the establishment of the NHIS, only 34 percent of Ghana’s 24.2 million people were active members in 2011in spite of the comprehensive exemption package of the NHIS (NDPC, 2011). This study had a main aim of assessing the characteristics of individuals covered by the NHIS as well as those who were not members and the extent to which social exclusion and inclusion in health can be used to explain the phenomenon. The results of our household survey show that nearly 73 percent of the household members had ever registered with the NHIS since its inception in 2005. This suggested that awareness of the NHIS was high among the populace. About 54 percent of the household members were active NHIS members (currently insured) during the survey. The results showed that the currently insured had a high proportion of females, the married and urban dwellers even though the five districts studied were generally rural. They were also relatively better educated and in higher wealth quintiles. In terms of education and wealth, those who had withdrawn their membership from the NHIS were the next best group. A high proportion of the never insured were males, in rural communities, in their productive ages (18-69 years) and relatively less educated (41 percent had completed Junior High or more compared to 50 percent of the currently insured and 43 percent of the previous NHIS members). About 54 percent of the never insured and 51 percent of those who were yet to receive their registration cards were in the two bottom wealth quintiles compared to 29.8 percent of the currently insured and 37.4 percent of the previous members. This raised serious equity and exclusion concerns in the NHIS enrolment even in the face of the exemption package. Since the NHIS is aimed at removing the financial barrier to health care for the population, especially those with low socioeconomic status, the decision to enrol to a large extent will depend on people’s perceived health status since membership is not compulsory. For instance, while 89.5 percent of the currently insured perceived their current health status as good or better, the proportion was higher among the previous members (91 percent), those waiting for their registration cards (92 percent) and the never insured (96 percent). In discussing the reasons behind people’s decision to enrol or not with the NHIS in the context of social exclusion, it is important to understand the dimensions of social exclusion in Ghana as outlined in the adopted SPEC framework (Annex1). The combination of the social, political, economic and cultural (SPEC) dimensions of social exclusion shape the structures and systems in the wider society which could negatively affect people’s access to the available health financing mechanism and 57 their ability to access health care when in need. Analysis of the reasons why some people have never insured with the NHIS or why some of them have withdrawn their membership seemed to suggest that economic factors were the major determinants of enrolment. The results showed that active membership was higher in the wellendowed districts like Kwaebibirem and Asutifi and lowest in Savelugu-Nanton and Abura-Asebu-Kwamankese which are in regions of higher poverty levels. Active membership was also higher among households in the higher wealth quintiles. Forty eight percent of the never insured and 44 percent of the previous members attributed their non-membership to NHIS premium/registration fees which they perceived to be expensive. Again, 9 percent of the never insured and 12 percent of the previous members reported that they did not have the money to pay the premium/registration fees. It is important to note that about 52 percent of the never insured engaged in agriculture compared to 44 percent of the currently insured who were small scale food crop producers. This group happened to be one of the poorest in Ghana. Another important reason cited by 23 percent of the never insured was that they did not need health insurance because they never got sick. This reason was also given by 15 percent of those who had withdrawn their membership. While awareness of the NHIS was quite high, perhaps because of the intense politics surrounding it, it seemed many people did not understand the principle of health insurance. As observed by the NDPC (NDPC, 2009) the level of knowledge of respondents to a large extent informed the decision to enrol with the NHIS or not. The results showed that the never insured generally had a negative perception of the NHIS. They generally felt that health insurance was meant for the poor and the sick. This suggested that the never insured had limited social capital. For instance, 41 percent of the adult household members who responded to the SPEC questionnaire reported to belong to a social organisation compared to 34 percent of the never insured. The level of social participation for the never insured also seemed to be low. The proportion attending social ceremonies and religious functions were observed to be low (Annex 1). It is important for the never insured to appreciate the importance of community solidarity to help them understand that having health insurance is good and serves as their contribution to help other people when they fall sick. Perhaps one of the major barriers to health care in Ghana is physical inaccessibility to health facilities for a large proportion of the population. The Ghana Human Development Report of 2007,"Towards a more inclusive society" (UNDP, 2007) identifies spatial polarisation as a major driver of social exclusion which falls under the political dimension of social exclusion. There is unequal access to social services such as health care, education, water, sanitation, etc generally between rural and urban areas. This can affect the decision to enrol with the NHIS. Rationally, nobody would want to pay for a service that is not available or very difficult to access. The results showed that the never insured had longer distances in reaching the nearest educational, health and transport infrastructure and services. It was therefore not surprising that some of the respondents complained of the long distances to NHIS registration centres. As stated in the introduction of this study, social exclusion from health care provision may be due to disrespectful, discriminatory or culturally inappropriate practices of medical professionals and their organisations, within the context of poor accessibility and quality of care. This brings to the fore the issue of power relations and trust between medical professionals and their patients. Unfavourable power relations and lack of trust can discourage people from accessing 58 health care from health facilities and therefore a low desire to enrol with the NHIS. Though both the currently insured and the never insured respondents were not very different in their perception on whether the age and sex of a doctor or a nurse mattered to them, a lower proportion of the never insured strongly agreed that they were treated with respect at the health facility. A higher proportion of the never insured also felt their concerns, questions and feelings were not taken seriously by medical staff. A few individuals had withdrawn their membership from the NHIS or had decided not to enrol with the NHIS because of lack of trust for the scheme and bad experiences with health professionals in the past. 7. CONCLUSION The findings of the country case study, based on five representative districts across the three ecological zones of Ghana, revealed significant insights into the impact of the NHIS on the access to health care with regards to the various levels of socioeconomic groups. It is the intention of this report that the findings will be used by all health stakeholders to reduce social exclusion in the NHIS and by so doing improve its implementation as part of the national social protection strategy. Though membership of the NHIS is expected to be mandatory, implementation has so far been voluntary due to the difficulty in enforcing the Act (Act 650). The health insurance status of the 16,178 household members surveyed showed that 54 percent were categorised as active NHIS members because they had valid NHIS memberships at the time of the survey. 27 percent of the sample had never registered with the NHIS since its inception. While 15 percent were identified as previous members because they had not reviewed their membership as at the time of the survey, 4 percent were reported to have registered with the NHIS but were yet to receive their membership cards. The results showed that the currently insured had a high proportion of females, the married and urban dwellers even though the five districts studied were generally rural. They were relatively better educated with 50 percent having completed Junior High. Those who had withdrawn their membership from the NHIS were the next best group in terms of education with 43 percent having completed Junior High. A high proportion of the never insured were males, in rural communities, in their productive ages (18-69 years) and were relatively less educated with only 41 percent having completed Junior High. The currently insured were also in higher wealth quintiles with only 29.8 percent falling in the two bottom wealth quintiles. 37.4 percent of the previous members were in the two bottom wealth quintiles compared to about 54 percent of the never insured and 51 percent of those who were yet to receive their registration cards. Within the SPEC framework, the results suggested that economic factors were the major determinant of enrolment.Active membership was higher in the well-endowed districts like Kwaebibirem and Asutifi and lowest in Savelugu-Nanton and AburaAsebu-Kwamankese which are in regions of higher poverty levels. Active membership was also higher among households in the higher wealth quintiles.48 percent of the never insured and 44 percent of the previous members attributed their non-membership to NHIS premium/registration fees which they perceived to be 59 expensive. Again, 9 percent of the never insured and 12 percent of the previous members reported that they could not afford the premium/registration fees. This raised serious equity and exclusion concerns in the NHIS enrolment even in the face of the exemption package. Awareness of the NHIS was clearly high among the populace as 73 percent of the household members in the survey had registered with the NHIS since its inception in 2003. However, it seemed many people did not understand the principle of health insurance. The level of knowledge of respondents to a large extent informed the decision of whether or not to enrol with the NHIS. The results showed that the never insured generally had a negative perception of the NHIS. They generally felt that health insurance was meant for the poor and the sick. This suggested that the never insured had limited social capital with 41 percent of the adult household members reporting to belong to a social organisation compared to 34 percent of the never insured. Physical inaccessibility to health facilities remains a major barrier to health care in Ghana. There is generally unequal access to social services such as health care, education, water, and sanitation between rural and urban areas. This can affect the decision to enrol with the NHIS. Indeed some of the never insured complained of the long distances to the nearest NHIS registration centres. 8. RECOMMENDATIONS Although the NHIS has attained noteworthy achievements in providing health care to Ghanaians, especially the poor and vulnerable groups, there is still the major challenge of extending coverage to various population segments which are currently excluded. Therefore based on the findings, the following recommendations are made: 1. There is the need to undertake extensive educational and public awareness programmes to improve the perception of the NHIS, thereby forging a more receptive public opinion towards the scheme. This can be done through the use of promotional materials via mass media so as to disseminate information about the scheme. 2. Informal sector workers should be further encouraged to participate in the NHIS. This will not only ensure a higher coverage rate, but also improve the financial viability of the scheme. To do this, it is required that the administrative capacity of the NHIA be strengthened so as to improve the procedural mechanism of registering and issuing membership cards to targeted groups. 3. The benefit packages must be revised and updated according to the demand for health care, as well as affordability of the participants and the NHIS fund. Considering specific benefits to accommodate different needs of different members (e.g., children, elderly people and the extremely poor) will ensure effective uses of limited resources. 60 REFERENCES Agyepong I.A., Arhinful D., Oppong-Peprah C., Attuah Ntow A. & Baltussen R. 2007 Research agenda to support national health insurance policy and program development in Ghana, February, Accra: MoH. Aryeetey, G. & Harrigan, J. (2000). Macroeconomic & sectoral development since 1970. In E. Aryeetey, J. Harrigan, & M. Nissanke (Eds.), Economic Reforms in Ghana: The Miracle and the Mirage (pp. 344-365). Oxford: James Currey. Asante F., and Aikins M., (2008), Does the NHIS cover the poor? Danida Health Sector Support Office paper Asenso-Okyere WK, Anum A, Osei-Akoto I, Adukonu A. Cost recovery in Ghana: are there any changes in health care seeking behaviour? Health Policy Plan 1998; 13: 181–188. Atim, C., Grey, S., Apoya, P., Anie, S., Aikens M. (2001). 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Accra: Government of Ghana. 61 Gyapong, J., Garshong, B., Akazili, J., Aikins, M., Agyepong, I. and Nyonator, F. 2007. 'Critical Analysis of Ghana's Health System with a focus on equity challenges and the National Health Insurance'. SHIELD Workpackage 1 Report. Hutchful, E. (1989). From "revolution" to monetarism: The economics and politics of the adjustment programme in Ghana. In B. Campbell & J. Loxley (Eds.), Structural Adjustment in Africa (pp. 122-123). London: Macmillan. Jehu-appiah, C., Aryeetey, G., Spaan, E., Hoop, T. De, Agyepong, I., & Baltussen, R. (2011). Equity aspects of the National Health Insurance Scheme in Ghana : Who is enrolling , who is not and why ? Social Science & Medicine, 72(2), 157–165. doi:10.1016/j.socscimed.2010.10.025 Jehu-Appiah C., et al. (2011); Household perceptions and their implications for enrolment in the National Health Insurance Scheme in Ghana. Health Policy and Planning 2011;1–12. Mensah, J., Oppong, J.R., and Schmidt, C.M. 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(2011), Ghana’s National Health Insurance Scheme, New York; Rockefeller Foundation. SEKN (2008). Understanding and tackling social exclusion. Final report to the WHO Commission on Social Determinants of Health from the Social Exclusion Knowledge Network. Geneva, World Health Organization (http://www.who.int/social_determinants/knowledge_networks/ final_reports/sekn_final%20report_042008.pdf, accessed 23 December 2012). UNDP Ghana office (2007), The Ghana Human Development Report 2007; towards a more inclusive society. Accra, Ghana. 62 Waddington CJE & Enyimayew KA (1989) A price to pay: the impact of user charges in Ashanti-Akim district Ghana. The International Journal of Health Planning and Management 4, 17–47. World Health Organisation, 2010, Health Systems Financing. The path to universal coverage, World Health Report 63 ANNEX 1. SPEC FRAMEWORK: DIMENSIONS, DOMAINS, VARIABLESAND INDICATORS Domains Variables Indicators Remarks 1. Social Dimension "The social dimension is constituted by proximal relationships of support and solidarity (e.g. friendship, kinship, family, clan, neighbourhood, community, social movements) that generate a sense of belonging within social systems. Along this dimension social bonds are strengthened or weakened." Variable 1: 1. Urban / Rural split: Levels of crime and violence: Social Rates of homicides, of criminal activities. Some • Share of urban/rural dwellers - % URBAN discrimination Territorial discrimination and deprivation 2. 3. 4. Variable 2: Social markers / drivers of social exclusion 5. • Currently insured =57.6; Previously insured = 54.8; Registered but yet to get card = 43.3; Never insured= 42.0 • Rural exodus trends Northern/Southern Ghana split • North-south exodus Informal settlement / formal settlement/illegalsettlements/illegal miners • % population living in slums Environmental insecurity • Self assessed feeling of insecurity related to environmental causes. E.g. Residents in drought and flood prone communitiescommunities in the volta basin Gender: • • • • Gender Development Index (GDI) Gender Empowerment Measure (GEM) Incidence of gender based violence Gender roles information can be obtained for the national level or regional crime/violence rates though this will be difficult to do. 5. Gender unemployment rates in the country In Ghana the GDI is a composite index of adult literacy, gross enrolmentrate and estimated earned income rates by gender (gender dimensions of development). This is used in the Ghana Hunan Development Report of 2007 The GEM measures gender inequalities in 64 • Variable 3: Social capital Stigmas related to gender, especially in regard to access to health care 6. Aging: • Age structures :Mean age (All HH members) in years • Currently insured =24.9; Previously insured = 25.7; Registered but yet to get card =19.6; Never insured=23.9 • Stigma related to aging, especially in regard to access to health care 7. Prevalence of specific health conditions: • Prevalence rates for chronicle diseases (Diabetes, hypertension: All HH members) • Currently insured =4.9; Previously insured = 3.5; Registered but yet to get card =1.5; Never insured=1.7 • Prevalence rate for "shameful" diseases (HIV/AIDS, Contagious diseases such as Cholera) 8. Stigmas related to specific health conditions: 9. Physical impairs: • Disability rates • Perceptions on disability (discrimination - stigma - segregation practices...) 10. Mental health: • Prevalence of mental sicknesses • Perceptions on mental disorders (discrimination - stigma segregation practices...) 11. Social network analysis: • empowerment economic participation,political participation, decision-makingand power over economic resources (Secondary national data e.g. census data, DHS data, GLSS data) 6. Enrolment figure of the aged in the NHIS can be explored to identified the characteristics of the exclude 7. Health facility based data will help identified these indicators to supplement data from t he household survey Number of social organizations persons belong to Mapping of social ties and interactions (personal social network - 65 group social bounds) - % belonging to a social organization-SPEC • Currently insured =41; Previously insured =44; Registered but yet to get card =43; Never insured=34 Variable 4: Social participation 12. Participation in common social activities: • Attendance to social ceremonies and functions - % that could not attend a social event they had wanted to participate in the community-SPEC Currently insured =28.2; Previously insured =27.5; Registered but yet to get card =30.5; Never insured=26.4 % unable to attend due to lack of money Currently insured =33; Previously insured =47; Registered but yet to get card =46; Never insured=52 • Attendance to religious functions - % attending once a week-SPEC • Currently insured =29.1; Previously insured =30.1; Registered but yet to get card =26.4; Never insured=26.9 • Attendance to community celebrations (e.g. funerals, outdoorings) 13. Social roles: • Percentage of people who played a social role in the previous year (if any is offered) as group leader, religious leader, social organizer… • Mean number of time spent for social or community work last year (voluntarism) 14. Social support: • Participation in preexisting solidarity mechanisms and systems (if any - e.g. funerals, wedding) Reliance on networks' support • Percentage of household expenditure on social transfers, gift… Assess through the household survey. A composite index can be developed 66 15. Sense of solidarity: Community reactivity to social events (burials, sickness episode) Perceptions on levels of solidarity Political dimension "The political dimension is constituted by power dynamics in relationships which generate unequal patterns for both formal rights embedded in legislation, constitution, policies and practices and the conditions in which rights are exercised - including access to safe water, sanitation, shelter, transport, power and services such as health care, education and social protection. Along this dimension, there is an unequal distribution of opportunities to participate in public life, to express desires and interests, to have interests taken into account and to have access to services." Political resources Variable 5: Access to educational opportunities 16. Access to formal education • Adult literacy rate • % of people over 15 years of age who have not completed primary school by district/region/residence • mean years of schooling • Net primary education enrolment rate (by gender/region/district/wealth) • % of over 15 years of age who and read and write • Early school drop-out rates (drop out among respondents and dependents before completion of primary / secondary education) • Causes for drop out • State expenditure per student in public education system compared to upper middle income family expenditure per student 17. Educational environment and conditions • Presence of qualified sibling in the environment (%) • Distance in time to the closest school for each person in schooling age (minutes) • Day care/nursery: Currently insured =9.8; Previously insured =11.7; Registered but yet to get card =10.3; Never insured=12.7 • Public primary school: Currently insured =10.3; Previously insured =11.1; Registered but yet to get card =8.6; Never insured=13.0 • Private primary school: Currently insured =22.5; Previously insured =25.4; Registered but yet to get card =33.6; Never insured=32.4 • Junior high school: Currently insured =13.8; Previously insured =16.3; Registered but yet to get card =20.5; Never insured=20.0 16. National indicators for measuring access to education and literacy exist for tracking progress in achieving the MDG 2 of achieving universal primary education - Net primary enrolment ratio (%) - Gross primary enrolment ratio (%) - Net attendance ratio in primary school (DHS) - Literacy rate of 15-24-year-olds (youth literacy rate) - The Gender Parity Index: Ratio of girls to boys in primary school; Ratio of girls toboys in secondary school Both secondary data and primary data from the household surveys can gather enough data on education. 67 • Senior high school: Currently insured =35.8; Previously insured =36.9; Registered but yet to get card =44.1; Never insured=44.1 • Lighting opportunity for homework-% that finds it very difficult or difficult • Currently insured =24.4; Previously insured =28.3; Registered but yet to get card =35.8; Never insured=35.1 18. Access to other capacity and life long learning opportunities • % of enrolment in adult literacy programs • % of enrolment in other empowerment programs Variable 6: Access to health Objective indicators 19. Outcomes • Life expectancy, If available probability at birth to exceed 40 years old, ventilated by risk factors: gender, income quintiles… • Maternal mortality rate • Infant mortality rate Under 5 mortality rate BMI measurement 20. Access • Share of children under 1 year of age who have been immunized against the three most relevant diseases in each site • Institutional delivery rate (delivery attended by specialized health care personnel) • Distance to primary health care (essential package) • Disaggregate by residence/region/district where applicable. Secondary data from the Ministry of Health/Ghana Health Service-facts and Figures will address these indicators % of population who are more than 60 minutes for the nearest health facilities • Regional hospital: Currently insured =60; Previously insured =57; Registered but yet to get card =54; Never insured=63 • District hospital: Currently insured =20; Previously insured =17; Registered but yet to get card =26; Never insured=29 68 • • • • • • Variable 7: Access to decent housing dwelling precariousness • Public health centre: Currently insured =5; Previously insured =4; Registered but yet to get card =1.4; Never insured=6 • Licensed chemical store: Currently insured =3.3; Previously insured =1.8; Registered but yet to get card =1.4; Never insured=4.9 Distance to complementary package of care (e.g. district/regional hospitals % of population in households which agree that the public health care facility closest to the household is easy to reach • Currently insured =76.3; Previously insured =74.1; Registered but yet to get card =72.4; Never insured=60.7 Medical personnel-population ration by district/region Quality of health care available % of population in households which agree that the quality of services delivered at public health facility closest to the household is good • Currently insured =72; Previously insured =71; Registered but yet to get card =74; Never insured=59 Cost of recent illness, household expenditure on health for a period 21. Subjective indicators: • % in poorest quintile who self reported bad health (/ good health) / • % in the richest fifth that reported bad health (/ good health) • Perception of the health services (satisfaction and quality, accessibility (psychological and physical),...) • Underlying values of health staff professionals (central role of money) 22. Dwelling precariousness • Average space per individual in the HH • Number of rooms per person (mean) • Fully insured HH = 0.7; Partially insured HH= 0.4; Uninsured National data (DHS, GLSS, MICS, CWIQ) disaggregated by rural/urban, districts, region Primary data from household surveys HH=0.6 • % of makeshift dwelling (roofing, building materials…) 69 • • • % of dwelling with access to electricity / power Main source of lighting for dwelling: % electricity • Fully insured HH = 78.4; Partially insured HH=67.2; Uninsured HH=60.1 Main source for cooking: % Electric/LPG/Biogas • Fully insured HH = 12.5; Partially insured HH=6.3; Uninsured HH=3.3 • 23. Sustainable access to safe water supply • % of the population with access to improved sources of water • Fully insured HH = 96.5; Partially insured HH=93.2; Uninsured HH=91.2 • % of the population with access to at least 20 liters of water per day per capita within a 30 min walk distance • Time spent per day to fetch water • Cost of water per household per month • Number of months in the year without access the regular source of water 24. Access to decent standards of sanitation • % of the population with access to improved toilet facilities • Fully insured HH =56.7; Partially insured HH=47.1; Uninsured HH=44.8 Variable 8: Access ot transport infrastructures and services • % of people with access to latrines within a reasonable distance • Incidence of water borne disease in the target areas 25. Access ot transport infrastructures and services • Distance to the closest tarmac road (in minutes) • Currently insured =19; Previously insured =19; Registered but yet to get card =23; Never insured=26 • Distance to the nearest all-seasoned road (in minutes) • Currently insured =10; Previously insured =9; Registered but yet to get card =15; Never insured=10 70 • Distance to the nearest place with daily bus /taxi services (in minutes) • Currently insured =10; Previously insured =11; Registered but yet to get card =13; Never insured=12 • % of population in households which finds it very difficult or difficult to get a reliable means of transport to the district capital • Currently insured =26; Previously insured =28; Registered but yet to get card =44; Never insured=44 Variable 9: Access to administrative services Variable 10: Numerical fracture • Traffic accident incidence/mortality rates (regional/national level) • 26. Access to administrative services • Distance to the local headquarters - to district capital (in minutes) • Currently insured =39; Previously insured =41; Registered but yet to get card =45; Never insured=52 • Index of corruption (subjective and objective levels of corruption) • Perception of availability and accessibility of public servants (including corruption) • Perception of the performance of district level political/administrative structures • % that is extremely or very satisfied with: • Local government: Currently insured =48.5; Previously insured =46.5; Registered but yet to get card =53.9; Never insured=49.3 • National government: Currently insured =49.8; Previously insured =50.4; Registered but yet to get card =52.2; Never insured=55.9 27. Numerical fracture • • Quality of phone and internet network coverage Number of working mobile phones in the household currently (mean) • Currently insured =1.6; Previously insured =1.4; Registered but yet to get card =1.3; Never insured=1.3 • % of people owning a cellphone in household 71 • • Variable 11: Access to social assistance / social protection Political and civic participation Variable 12: Civic participation and efficacy Variable 13: democratic participation % of children using computers at school % of children accessing internet at school 28. Access to social assistance / social protection • Policy analysis - framing process and identification of the underlying SPEC during the policy design process • Enrolment rates among eligible (registration) • Leakage in enrolment (false positive) • Administrative effectiveness • Actual access to services / Access to benefits: utilization of health services • Identification of other social assistance programs that can influence enrolment and outcomes of social protection in health • Social representation attached to enrolment in social assistance programs 29. Civic participation and efficacy • Empowerment - knowledge of democratic rights and duties • People' perception of their fellow citizens' awareness of their obligations and duties • Administrative registration rate: birth certificate • Enrollment in Trade unions, associations, groups, NGOs, faith based groups… • Role of groups, NGOs.. into the political framing process (lobbying, advocacy) 30. democratic participation • Empowerment - knowledge of democratic rights and duties • Participation in the elective process (national, local) - voter enrolment and turnout • Participation in the community governance bodies - in local government structures • Gastill democracy index based on political rights and civic liberties - Assess the criteria for inclusion into the Livelihood Empowerment Against Poverty (LEAP) programme - Coverage of the School capitation grant - Coverage of the school feeding programme - NHIS exemption categories Assess this indicator in January 2012 can be sensitive due the impending general elections. 72 • Preference of democracy over other political systems 31. Social justice and Civil liberties A composite index can be developed based on the indicators in the master SPEC table. Economic Dimension "The economic dimension is constituted by access to and distribution of material resources necessary to sustain life (e.g. income, employment, housing, land, working conditions, livelihoods, etc)." Material and Variable 14: 32. Income poverty Poverty measures in the MDGs: Income poverty economic - Prevalence of underweight children under 5 years by • Income (consumption) ($) resources • Poverty headcount ratio at $1.25 a day (PPP), national, rural and region/district urban poverty lines (% of population) - % population in overall poverty • Poverty gap at $1.25 a day (PPP), national, rural and urban poverty - % population in extreme poverty lines (%) • Persistent at risk of poverty rate Variable 15: HH can be categories based on wealth quintiles • Physical and financial assets: Physical and • Ownership of property/Housing through factor analysis. Analysis on financial assets • If HH owns at least one of radio, TV, telephone, bike, or motorbike gender/residence/district can be performed. • Landholdings per acre per household • Savings; ownership of other liquid assets • If individual/HH has a bank account • Access to other credit (formal and informal) • Level of debt Variable 16: 33. Income inequality Income • Poverty gap squared inequality • Proportion of income/consumption in poorest quintile • Gender inequality gap • Gini coefficient Variable 17: 34: Hunger MDGs; Multidimensional poverty index Hunger • Prevalence of underweight children under-five years of age • Proportion of population below minimum level of dietary energy consumption 73 Economic participation Variable 18: Social welfare Variable 19: Employment 34. Social welfare • % labour force claiming unemployment benefits • % of labour force claiming disability benefits 35. Employment • Long term unemployment rate • % unemployed • % of people employed in informal sector • Proportion of people employed in informal sector living below $1.25 (PPP) per day • Share of school children and working age adults living in a jobless household • Children in harmful jobs • Subjective measurement of satisfaction of carers/stay-at-home parents • Employment gap of immigrants • % of people employed earning below minimum wage This will be difficult to measure in Ghana due to inadequate data on unemployment. Cultural dimension "The cultural dimension is constituted by the extent to which diverse values, norms and ways of living are accepted and respected. At one extreme along this dimension diversity is accepted in all its richness and at the other there are extreme situations of stigma and discrimination" Human Variable 20: 36. Values behaviour Values • Disapproval/approval of single mother • Rating of priority government should give to reducing poverty • Rating on if governments should provide benefits for unemployed, disabled • Rating of how important family, friends, religion, work, politics are in life. • Ranking of importance of attributes (e.g. hard work, tolerance, respect etc. 74 Cultural participation Variable 21: Beliefs 37. Beliefs • Rating of whether violence against women is acceptable • Rating of agreement with statement: when jobs are scarce, men should have more right to a job than women? • Rating of agreement with statement: when jobs are scarce, employees should hire (own nationality) before immigrants? • Rating of beliefs on why people are poor • Rating of whether people should be able to practice religion freely. Variable 22: Norms 38. Norms • Rating of whether premarital sex is acceptable for women; Rating of whether premarital sex is acceptable for men • Rating of whether women should dress conservatively • Rating of whether homosexual relationships should be (i)legal • Rating of whether premarital sex is acceptable for women; Rating of whether premarital sex is acceptable for men • Rating of whether homosexual relationships should be legal Variable 23: Traditional Practices 39. Harmful traditional practices • Age of marriage • Widowhood rites performances • Child betrothal • Forced marriages • Female genital mutilation (FGM) • Traditional practice of ritual bondage of virgins • Rating on treatment/handling of perceived witches (e.g. witches camps in northern region of Ghana). 40. ??? Variable 24: Language DHS 2008 has issues on domestic violence. From the ratings composite indexes of could be developed. Asking questions about domestic violence however have ethnic consideration also require special training as noted in DHS 2008. % of women and men experiencing domestic violence during a period % of children experiencing domestic/physical violence during a period % of women and children experiencing of sexual violence Issues relating to local languages may not be a major issue of exclusion though ethnicity can be a cause. 75 Variable 24: Cultural activities Variable 25: Media visibility 41. Cultural activities • The percentage of the population within 20 mins travelling time (urban - walking, rural - car) of a sports facility, cinema or art gallery. • Number of hours spent in cultural groups • Value placed on relationship between arts and culture and personal and community development • Number of cultural heritage sites 42. Media visibility • The number of hours of mainstream TV or radio programmes that are dedicated to minority group programming • Number of radio stations accessible to members of household (mean) • Currently insured =2.5; Previously insured =2.1; Registered but yet to get card =2.2; Never insured=1.6 • Number of radio stations accessible to members of household (mean) • Currently insured =2.5; Previously insured =4.0; Registered but yet to get card =3.5; Never insured=3.6 • The importance of some of these indicators will be difficult to assess. People’s main concerns in some of these areas are butter and bread issues. High level of ignorance/illiteracy may make it difficult for people to appreciate the importance of cultural participation. People may identify themselves with festivals in the localities/districts. Multiplicity of TV stations but coverage is limited to specific locations. More than 200 fm radio stations across the country with localised programmes. 76 2. SPEC Step-by-Step: Ghana Step 1: Targeted population All persons resident in Ghana other than the Armed forces of Ghana and the Police service are required to belong to a health insurance scheme [VOLUNTARY MEMBERSHIP] TYPE Step 2: Never insured Voluntary exclusion [decided not to be members] Socially excluded (unreached) WHO? • • How?? • Ability to pay cash at private facilities • Workplace schemes • Lack of trust • Lack of attractiveness to NHIS • Less risk averse 1. Economic Rigid payment system a. Rural agric producersmigrant farm labourers & • Premium is settlers, food crop inflexible producers, traditional • Inconvenient fishermen timing of b. Seasonal labourers/workers premium c. Underemployed & payment-during unemployed persons lean season d. The youth without • Location of employable skills registration e. Groups negatively affected centres-distance by the ERP/SAP in the 1980s places /90 • Not f. Ignorant and less educated understanding about the scheme the insurance 2. Gender & culture principle of risk WHY? [SPEC] Social Political Economic Cultural • Weak social welfare system • Lack of participation and dialogue among social groups • Disintegration of the extended family system • Unequal gender relations • Lowlevels of education • Lack of trust in governance structures • Perceived corruption • High levels of deprivation/ inequalities: Rural/urban of Ghana, Northern/Southern Ghana (poor educational, health, transport infrastructural facilities, limited access to information, inadequate health professionals, etc.) • Colonial development policiesschools, railways, roads to mining centres, cocoa producing areas, etc • Unequal distribution of national resources due to limited political participation of certain groups • Resource degradation/ limited access to productive resources e.g. land, irrigation facilities, storage facilities, etc. • Long term unemployment • Low incomes/wages • High levels of vulnerability/ poverty(more than 60% of social exclusion in Ghana is due to poverty, UNDP 2007) • Lack of social capital • Weak social support system/low level of solidarity • Cultural norms of discrimination/ ethnocentrism/ nepotism • Harmful Young and old adults Self perceived healthy adults • Rich • Formal sector employees with other alternatives traditional practices • Uncertain reprocity 77 a. Chn. In difficult circumstances-e.g. street chn/child migrants, sch. drop-outs, OVCs, orphans, Victims of abuse-women &chn. b.Victims of harmful traditional practiceswidows, witches camp inmates, ‘trokosi victims’ c. Disadvantaged womenteenage mothers, poor single mothers, family head potters & their chn, d.Elderlybelow 70 years without support e. Female headed households f. Ex-convicts g. ‘Indigents’ 3.People with poor health a. People with certain chronic diseases-PLWAs, TB, leprosy, mental health b. People with disabilities with no employable skills 4. Spatial disparities a. rural dwellers b.Urban slum dwellers c. People in displaced communities / areas of decline economic activities d.People in difficult environmental conditionsdrought, floods, poor soil fertility e. People who are sharing • Lack of trust • Ignorance of the scheme-lack of relevant and timely information on benefits and exemptions packages of NHIS • Exclusion of certain diseases considered to be too expensive • Low government spending in Ghana on social programmes for poverty reduction • Unreliable data on poverty and vulnerability • Lack of monitoring, evaluation and learning mechanisms to track progress • • Low productivity levels • Unfavourable trade agreements (e.g.cotton farmers, local rice farmers) 78 geographically isolated‘overseas’ areas of northern Ghana, Onchocerciasis areas, etc. Step 3: Voluntary exclusion Previously insured (but has not renewed registration, withdrawal from the scheme) Socially excluded Step 4: Socially excluded??? Registered but yet to • • • • Healthy Rich Youth Males in general • Lack of trust • Not satisfied with previous service • NHIS not addressing needs • Non use of services during previous registration • • • • • High renewal fees • High penalty payments • Lack of trust • Poor staff attitude • • • • • • • • • Poor Rural dwellers Urban slum dwellers Street chn/chn out of school Less educated/illiterates Unsupported widows Poor single mothers Poor informal workers Chn from large households Unemployed Illiterate/less educated Rural dwellers Low income groups • Long distances to card collection centres (difficulty in accessing services) SAME AS ABOVE • Systemic factors affecting the scheme-technological challenges,administrativeprobl ems / operational challenges– over concentration of activities 79 received ID card Step 5: Currently insured (Valid card holders) But.. Non claimers (not using available services) • Chronic illnesses not covered • Remote dwellers • Pregnant women preferring home delivery • Patients preferring traditional/spiritual care • Ignorance Non-users • Poor (benefits notprovided/received) • Women • Rural dwellers • Fraud on the part of agents of NHIS (e.g. failure to register clients after collecting their monies) • Long waiting time for cards • Lost cards • Partial registration • Long distances to access care • Limited knowledge on the operations of NHIS • Other indirect cost of care • longer waiting times at facilities • Perceived quality of care • Unfriendly hospital environment • Shortage of approved drugs/supplies at facility • Servicesrequired not available at level of facility, especially at in Accra • Gender relations e.g. the need to seek approval/obtain consent?? from one’shusband before seeking care from a facility in certain societies • Illiteracy/ignorance among scheme members • Strike actions by health care workers??? • Inadequate health facilities/personnel • Unfriendly attitude of service providers • Politicisation of NHIS operations • supply-side constraints i.e. quality of health personnel training and management, including responsiveness to health facility users • • • Poverty • High indirect cost of care • Cultural beliefs (i.e. the perception among certain groups that only unfaithful and weak women delivery in hospitals) • Power influence of spiritual leaders on their followers Undue delays in reimbursement of claims to facilities which tends to affect service provision Complains about low tariffs paid to service providers by the NHIA 80 primary level of care • Weak referrals system 81