Table 2 Assumptions used for assembling the different benefits packages
From: Supporting a review of the benefits package of the National Health Insurance Scheme in Ghana
Package | Primary goal | Co-payments for interventions included in package | Population coverage for interventions included in package |
|---|---|---|---|
Best buys | Maximise value for money | No | 100% |
Status quo | Include high number of interventions | No | 60% |
Primary care | Include only primary care interventions | No | 100% |
Coinsurance—community care | Add co-insurance (for interventions that cannot be provided at community level by community health workers) | – No co-payments for community-level interventions – 50% coinsurance (with a cap at GH₵1,000) for interventions that are not provided at community-level | – 100% for interventions without coinsurance – 86% for interventions with coinsurance* |
Coinsurance—budget | Add co-insurance (for interventions with high budget impact) | – No co-payments for interventions with budget impact < GH₵50 million – 50% coinsurance (with a cap at GH₵1,000) for interventions with budget impact ≥ GH₵50 million | – 100% for interventions without coinsurance – 86% for interventions with coinsurance* |