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The Economics of Rural Health Insurance

The Effects of Formal and Informal Risk-Sharing Schemes in Ghana

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Many households in Ghana are exposed to risks from preventable diseases, poor weather, and economic mismanagement but they have limited access to quality health care because of existing ineffective financing options, especially for the poor and people who live in rural areas. This study uses data from the two oldest community-based health insurance schemes in Ghana to investigate the role of this type of schemes on access to health care and health care expenditures. It also examined how the schemes cover the people who need the advantages of insurance most; poor people and high risk individuals, who would find it difficult to pay for health care in the absence of insurance. The findings reveal strong positive effects on access to quality health care but portray remarkable exclusion of the poorest of the poor. The study highlights the need for improved rural health infrastructure and stronger linkages between modern and traditional means of risk sharing to make the newly introduced national health insurance scheme in Ghana more effective and equitable.


Titel: The Economics of Rural Health Insurance
Autoren/Herausgeber: Isaac Osei-Akoto
Aus der Reihe: Development Economics and Policy
Ausgabe: Neuausgabe

ISBN/EAN: 9783631525845

Seitenzahl: 158
Format: 21 x 14,8 cm
Produktform: Taschenbuch/Softcover
Gewicht: 240 g
Sprache: Englisch

The Author: Isaac Osei-Akoto studied Statistics, Economics and Mathematics at the University of Ghana, Legon. He holds a B.A. degree in Economics and Statistics and an MPhil degree in Economics from Legon. He obtained his Ph.D. in Agricultural Economics at the Center for Development Research (ZEF), University of Bonn in 2004. - Newsletter
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