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The National Health Insurance Scheme (NHIS) in Ghana is a social intervention program aimed at providing financial access to high-quality healthcare for residents of the country.

The NHIS is primarily funded through various sources, including the National Health Insurance Levy (NHIL), which is a 2.5% levy on goods and services collected under the Value Added Tax (VAT).

Additionally, 2.5 percentage points of Social Security and National Insurance Trust (SSNIT) contributions per month, returns on National Health Insurance Fund (NHIF) investments, premium payments by informal sector subscribers, and government allocations contribute to the funding of the scheme.

NHIS subscribers can be categorized into two main groups: the informal group and the exempt group. Only members of the informal group are required to pay premiums, while the exempt group is not.

The exempt group includes formal sector employees and the self-employed who contribute to SSNIT, children (under 18 years of age), pregnant women in need of ante-natal, delivery, and post-natal healthcare services, indigents identified by the Minister for Social Welfare, differently-abled persons determined by the Minister responsible for Social Welfare, persons with mental disorders, SSNIT pensioners, the elderly (above seventy years of age), and other categories prescribed by the Minister.

Apart from premiums, subscribers are also responsible for paying a processing or renewal fee for their ID cards, except for pregnant women and indigents.

The NHIA has accredited various categories of healthcare facilities to provide services to NHIS subscribers, including Community-based Health Planning and Services (CHPS), maternity homes, health centres, clinics, polyclinics, primary hospitals, secondary hospitals, tertiary hospitals, pharmacies, licensed chemical shops, and diagnostic centres.

To ensure efficient healthcare delivery, subscribers are advised to first visit their primary providers when seeking medical attention.

If necessary, the primary provider will make referrals to higher-level facilities, allowing regional and teaching hospitals to focus on more complex diseases, reduce overcrowding, and maintain the quality of care at all levels.

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(0) 302 238136/ 233255/ 216970/ 241690
No. 36-6th Avenue, Opposite AU Suite, Ridge Residential Area, Accra.
[email protected]



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  • 12 April 2024 8:05 pm local time

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