Gender Disparities in Ghana National Health Insurance Claims: An Econometric Analysis


  • Samuel Antwi Jiangsu University,Koforidua Polytechnic
  • Xicang Zhao Jiangsu University
  • Eugene Oware Koranteng Koforidua Polytechnic
  • Boadi Kofi eric Koforidua Polytechnic



, National Health Insurance, Claims, Gender Disparity, Ghana


The objective of this study was to find out the gender disparities in Ghana national health insurance claims. In this work, data was collected from the policyholders of the Ghana National Health Insurance Scheme with the help of the National Health Insurance database and the patients’ attendance register of the Koforidua Regional Hospital, from 1st January to 31st December 2011. The generalized linear regression (GLR) models and the SPSS version 17.0 were used for the analysis. Among men, the younger people prefer attending hospital for treatment as compared to their adult counterparts. In contrast to women, younger women favor attending hospital for treatment as compared to their adult counterparts. Among men, various levels of income impact greatly on their propensity to make an insurance claim, whereas among women only the highest income level did as compared to lowest income level.Men, who completed senior high school education, were less likely to make an insurance claim as compared to their counterparts with basic or no education. However it was women who had basic education that preferred using the hospital as compared to their more educated counterparts. It is suggested that the government should consider building more health centers, clinics and cheap-compounds in at least every community, to help reduce the travel time in accessing health care.  The ministry of health and the Ghana health service should engage older citizens by encouraging them to use hospitals when they are sick instead of other alternative care providers.

Author Biographies

Samuel Antwi, Jiangsu University,Koforidua Polytechnic

School of Finance and Economics,Senior Lecturer

Xicang Zhao, Jiangsu University

School of Finance and Economics,Professor

Eugene Oware Koranteng, Koforidua Polytechnic

Accountancy Department,Lecturer

Boadi Kofi eric, Koforidua Polytechnic

Accountancy Department,Lecturer


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