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Perspectives of frontline health workers on Ghana’s National Health Insurance Scheme before and after community engagement interventions



Barely a decade after introduction of Ghana’s National Health Insurance Scheme (NHIS), significant successes have been recorded in universal access to basic healthcare services. However, sustainability of the scheme is increasingly threatened by concerns on quality of health service delivery in NHIS-accredited health facilities coupled with stakeholders’ discontentment with the operational and administrative challenges confronting the NHIS. The study sought to ascertain whether or not Systematic Community Engagement (SCE) interventions have a significant effect on frontline health workers’ perspectives on the NHIS and its impact on quality health service delivery.


The study is a randomized cluster trial involving clinical and non-clinical frontline health workers (n = 234) interviewed at baseline and follow-up in the Greater Accra and Western regions of Ghana. Individual respondents were chosen from within each intervention and control groupings. Difference-in-difference estimations and propensity score matching were performed to determine impact of SCE on staff perceptions of the NHIS. The main outcome measure of interest was staff perception of the NHIS based on eight (8) factor-analyzed quality service parameters.


Staff interviewed in intervention facilities appeared to perceive the NHIS more positively in terms of its impact on “availability and quality of drugs (p < 0.05)” and “workload on health staff/infrastructure” than those interviewed in control facilities (p < 0.1). Delayed reimbursement of service providers remained a key concern to over 70 % of respondents in control and intervention health facilities.


Community engagement in quality service assessment is a potential useful strategy towards empowering communities while promoting frontline health workers’ interest, goodwill and active participation in Ghana’s NHIS.

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Sustainable healthcare financing and universal access to healthcare are important health system goals of many countries globally. To promote attainment of these goals, many Lower and Middle Income Countries (LMICs) have resorted to Social Health Insurance (SHI) to finance healthcare. Ghana’s National Health Insurance Scheme (NHIS) is one such SHI policy introduced in 2003 (Act 650, 2003 amended Act 852, 2012).

The NHIS is currently operational in over 150 district offices nationwide with an active membership of 8.8 million, representing about 35 % of the Ghanaian population, and over 90 % of the disease burden of Ghanaians covered including medical emergencies and accidents [1]. Out of the 3,575 health facilities accredited by the National Health Insurance Authority (NHIA) as at 2012, 53.6 % were owned by government; 39.8 % by private-for-profit; 5.8 % by mission/faith-based and 0.8 % by quasi-government facilities [1].

Since its introduction, the NHIS has contributed to improved health service utilization and health outcomes [27]. Outpatient visits per capita improved from 0.37 in 1997 to 1.16 in 2013; likewise, percentage of skilled deliveries improved from 44.5 % in 2006 to 55.0 % in 2013 [8].

Notwithstanding these positive contributions, there are emerging concerns on the quality of health service delivery in NHIS-accredited health facilities [914].

Some literature suggest that introduction of the NHIS has contributed to increased doctor-patient ratios in the Northern region of Ghana from 1:8,805 in 2006 to 1:21,751 in 2011 while the nurse-patient ratio worsened from 1:279 in 2006 to 1:1,547 in 2011 [12]. It is also argued the NHIS has compounded challenges in client waiting times, quality of time spent per patient and staff attitude towards clients [14, 15]. Delayed reimbursement of service providers, delayed production and issuance of membership cards and administrative lapses in NHIS district offices also remain substantial concerns to stakeholders of the NHIS in recent times [12, 15].

Even though these challenges have been explored from clients’ perspectives in previous studies [3, 5], not much is known of frontline health workers’ views on the NHIS. Moreover, not many known randomized cluster trials and related studies have been conducted on how community engagement interventions potentially influence frontline health workers’ experiences of the NHIS in Ghana although community participation in health service planning and implementation is a key principle in the Alma-Ata Declaration of 1978 [16].

Previous studies have demonstrated the relevance of community engagement in effective and sustainable implementation of health policies in Ghana [1720] and other countries [2126]. Client/community participation in quality service assessment in healthcare and health insurance facilities is conventionally limited to client satisfaction surveys albeit this strategy is increasingly proving ineffective because of potential biased assessment emanating from client intimidation [27]. Limitations of these conventional approaches underscore the need to complement existing strategies with structured community engagement interventions.

Morgan and Lifshay [28] cited in Alhassan et al. [29] defined community engagement in the context of public health as dynamic relationships and dialogue between community members and local health professionals with varying degrees of community and higher level health authorities’ involvement in decision-making and control. Community engagement is critical for sustainable and equitable health policies because community members best define and prioritize their health needs [23].

In this study, Systematic Community Engagement (SCE) interventions were designed and implemented for nearly one year to engage existing community groups and associations in the monitoring and assessment of quality service delivery in NHIS-accredited health facilities and NHIS district offices. For the purposes of this paper, results of the interventions are not discussed instead aggregate effect of the interventions on staff perceptions and experiences of the NHIS and its effects of quality health service delivery are evaluated. The hypothesis is that in health facilities and NHIS district offices where SCE is implemented, frontline health workers’ experiences and perspectives on the NHIS will be enhanced than staff in control facilities.


Study design, population and setting

The study is a randomized cluster trial conducted in 64 NHIS-accredited clinics/health centres and 16 NHIS district offices in the Greater and Western regions of Ghana. Individual respondents were chosen from within each intervention and control groupings. The 64 facilities constitute about 5 % of the 1,180 accredited clinics/health centres in Ghana [1]. Clinical and non-clinical frontline health workers with at least 6 months work experience were eligible to participate in the baseline and post intervention surveys. Randomized cluster trial was deemed appropriate because it is one of the most scientifically rigorous methods of hypothesis testing [30] and the gold standard trial for evaluating effectiveness of interventions while preventing selection bias [31].

Design and implementation of SCE Interventions

Two categories of SCE interventions were implemented namely: MyCare (also called Intensive Engagement) and Light Engagement (LE). The LE intervention used existing community groups/associations to identify service delivery gaps in healthcare facilities and NHIS district offices. The MyCare component engaged clients and relevant stakeholders in a participatory process; the focus was on individual clients contrary to the group approach in the LE. Both categories of interventions were implemented and evaluated concurrently from June, 2013 to March, 2014. This paper emphasizes the LE arm of the SCE interventions because the MyCare intervention was implemented in only 6 out of the 32 intervention facilities.

The SCE interventions were implemented in 32 randomly selected clinics/health centres and their catchment area; of the 32 health facilities that were randomly picked to receive SCE, 26 were randomly assigned the LE intervention and 6 assigned the MyCare intervention. The remaining 32 health facilities were used as controls. In each region, NHIS district offices serving the intervention clinics/health centres were also assigned as proxy intervention NHIS district offices. Figure 1 illustrates the randomization into the control, LE and MyCare arms of the study. Moreover, detailed description of the LE and MyCare components of the SCEIs are presented in Table 1.

Fig. 1
figure 1

Interventions design and randomization. Source: WOTRO-COHEiSION Ghana Project baseline and follow-up field data (2014); Legend: GAR: Greater Accra Region; WR: Western Region; SCE: Systematic Community Engagement; n=sample size. NOTE: MyCare intervention is not the focus of this paper thus it is not elaborated in subsequent sections of the paper

Table 1 Description of the Systematic Community Engagement (SCE) Interventions

Sampling procedures

The Greater Accra and Western regions were purposively sampled for rural–urban balance since the former is predominantly urban and the latter largely rural; 333 questionnaires were randomly administered to frontline health workers in all 64 sampled health facilities during the baseline survey in 2012. Out of this number, 324 questionnaires were correctly filled and returned representing 97 % return rate; 320 questionnaires were administered during follow-up in 2014 and out of this number, 308 were correctly filled and returned, representing 96 % return rate. Out of the 308 follow-up respondents, 234 were initially interviewed at baseline. Drop-out staff could not be followed because of transfers, deaths, resignations and retirements.

Data collection

Structured questionnaires consisting of open and close ended questions were used for the data collection before and after the SCE interventions. Questionnaires were administered by trained research assistants for nearly one month in the two study regions. During the interviews, respondents were asked questions related to their age, gender, education, professional category, work experience, religion, monthly salary, and health insurance status. Respondents were also asked to rank their perceptions on the NHIS based on pre-defined indicators on a Likert scale of 1 = “very disappointing” to “4 = “very excellent”. Questions were also asked on perceived impact of the NHIS on quality service delivery based on a scale of 1 = “very large extent” to 4 = “very little extent”.

To ensure effect of the interventions were appropriately evaluated, staff perception questions were similar to the indicators used for the SCE. Thus, quality service markers such as staff attitudes, information provision, client waiting times, NHIS enrolment and renewal process and feedback systems were rated by health staff before and after the interventions.

Piloting of data collection instruments was done in two health facilities in the Greater Accra region and were found to be acceptable and feasible for full-scale implementation.

Statistical analysis

All data sets were analyzed with the STATA statistical software (version 12.0) after data cleaning and coding to anonymize the responses. Only responses of health workers (n = 234) successfully interviewed during baseline and follow-up surveys were maintained for the final analysis (i.e. 468 pooled responses); all analysis were done on “intention to treat” basis.

Socio-demographics and work characteristics of respondents were estimated using proportions; Pearson Chi-square test and paired t-test were used as appropriate to determine the differences in these socio-demographic characteristics among staff interviewed in intervention and control groups.

The main outcome variables of interest in the analysis were staff perceptions on the NHIS and its impact on quality service delivery. These outcome variables were derived from 28 Likert scale questions (i.e. 19 questions on staff experiences with NHIS and 9 questions on perceived impact of NHIS on quality health service delivery); the average scale reliability coefficient was tested and found to be 0.77, above the 0.70 rule of thumb [32]. Reverse coding was done for the Likert scale ranging from 1 = “very large extent” to 4 = “very little extent” because some questions were posed in the negative [32]. Higher summated scores thus depict positive perceptions of staff and vice versa. Coding for the Likert scale of 1 = “very disappointing” to “4 = “very excellent” was maintained.

The 28 Likert scale questions were factor-analyzed into 8 perception variables using principal component factor analysis with varimax horst rotation (Kaiser off). The perception variables were predicted and named as follows: factor1 = “Feedback channels and stakeholder engagement”; factor2 = “Information provision, adequacy and accessibility”; factor3 = “Availability and quality of drugs covered by NHIS”; factor4 = “Reimbursements and benefits package”; factor5 = “Trustworthiness and complaint handling”; factor6 = “Workload and impact on health resources”; factor7 = “Client waiting time and queuing system”; and factor8 = “Quality of time spent per client”.

To determine effect of the SCEIs on respondents’ perceptions, difference-in-difference (DiD) estimations and propensity score matching (nearest neighbor algorithm) were performed using the pooled baseline and follow-up data (n = 468). DiD test was performed to ascertain the mean perception differences among staff in intervention and control facilities using the pooled baseline and follow-up datasets [33].

Even though the study design is a randomized cluster trial, the psmatch2 was employed to determine the treatment effect of the SCE on staff perception variables [34]. This approach was deemed necessary because the staff were not randomly assigned to treatment and control facilities which has the potential to introduce selection bias [35].

Randomization into control and intervention groups was done at the health facility level, not the staff level. Hence, staff who by chance were found in intervention or control clinics were interviewed at random. Potential effect of covariates such as staff gender, age, education, professional category, monthly salary, insurance status, marital status, religious affiliation, clinic location (rural/urban), and clinic ownership (private/public) were accounted for in the estimations.


Profile of health workers

Out of the 324 staff interviewed at baseline, 234 (72 %) were successfully interviewed at follow-up. The pooled baseline and follow-up responses were therefore 468 comprising 253 (54 %) from the control group and 215 (46 %) from intervention group. The proportion of females dominated among the 468 respondents in the intervention (60.5 %) and control groups (69.6 %) (p < 0.05). Likewise, the proportion of staff who had at least tertiary education was higher in intervention (72.1 %) and control (79.4 %) groups (p < 0.1).

Majority of the staff interviewed in intervention (61 %) and control (70 %) health facilities belonged a professional association (p < 0.1). A significant proportion of the staff interviewed in intervention facilities also worked in privately owned health facilities while majority of the staff interviewed in control health facilities also worked in public/government owned facilities (p < 0.05). There were no statistically significant differences between intervention and control facilities in terms of staff professional category; marital status; religious affiliation; monthly salary and health insurance status (see Table 2).

Table 2 Profile of health workers interviewed in intervention and control facilities

Staff experiences and perception on the NHIS

Experiences of health workers with some service components of the NHIS appeared to have worsened over time in both intervention and control facilities; the percentage of staff satisfied with timeliness of provider reimbursement decreased from approximately 14 % in 2012 to less than 10 % in 2014. Perceptions on the NHIS accreditation and information dissemination however improved marginally (see Fig. 2).

Fig. 2
figure 2

Health workers views on the NHIS in intervention and control clinics. Source: WOTRO-COHEiSION Ghana Project baseline and follow-up field data (2014); Legend: NHIS (National Health Insurance Scheme); NHIA (National Health Insurance Authority)

Impact of interventions on staff perceptions of service quality

Difference-in-difference estimation results suggest the interventions impacted more positively on perceived availability and quality of drugs covered by the NHIS, contrary to anecdotal reports suggesting otherwise; average perception score in intervention clinics was 2.71 (SD = 0.20) compared to 2.51 (SD = 0.20) in controls (p < 0.05) (see Table 3). Perceived effect of the NHIS on increased workload on health staff and infrastructure appeared to have improved among respondents in intervention facilities (p < 0.1); likewise, client waiting and quality of time spent per client were perceived more positively by staff in intervention facilities than those in control facilities (see Table 3).

Table 3 Differences in health worker views on the NHIS in treatment and control facilities

Table 4 shows a model specification for the propensity score matching performed in Table 5. As shown in the propensity score matching, the SCE interventions seemed to enhance respondents’ perceptions on “drug availability and quality” (Average treatment effect on the treated (ATT) = 2.56); “trustworthiness/complaint handling” (ATT = 2.48) and “information provision on the NHIS” (ATT = 2.46). Moreover, the interventions apparently improved perspectives on effect of NHIS on “workload and health resources (ATT = 2.07) followed by “quality of time spent per client” (ATT = 1.38) and “client waiting time” (ATT = 1.18) (see Table 5).

Table 4 Model specification for propensity score matching using pooled 2014 & 2012 data (n = 468)
Table 5 Effect of community engagement interventions on health worker perceptions (n = 468)


Quality of services in NHIS-accredited health facilities and NHIS district offices, coupled with delayed reimbursement of service providers and administrative lapses remain critical challenges that have the potential of decreasing stakeholders’ trust and confidence in Ghana’s NHIS [1014, 34, 35].

Bottom-up engagement of clients, healthcare providers and health insurance managers could be a possible strategy towards improving service quality at the health facility and district NHIS office levels. The results of this study suggest that SCE in service quality assessment could help enhance stakeholders’ perspectives on the NHIS and promote their goodwill, interest and support for NHIS activities. It was found that the average perception scores of respondents on the NHIS significantly improved after implementation of the SCE interventions (see Tables 3 and 5).

The interventions appeared to have enhanced perspectives on many components of the NHIS except delayed reimbursement of service providers, thus corroborating findings by Dalinjong and Laar [15] and Fusheini et al. [36] on this administrative challenge. Reports of provider claims being in arrears for several months [22] were confirmed in this study.

Even though NHIS reimbursements continue to be a key cost driver of the NHIA (escalating from US$ 3.4 in 2005 to nearly US$ 318 million in 2012 [1]), it appears the financial resources are inadequate and possibly constitute a cause of the delayed payment of service providers. The SCE had limited capacity to influence timely reimbursement of service providers which perhaps explains the apparent low influence on respondents’ perceptions.

The NHIA (regulatory body of the NHIS) established three zonal Claims Processing Centres (CPCs) with computerized claims vetting processes as part of efforts towards addressing the challenge of delayed reimbursements. Other strategies include routine reminders to accredited health facilities to submit claims on time and pick up payment cheques [1].

Proposals have also been made for review of the benefits package, and exemption list which are argued to be too generous and unsustainable [20]. Expansion of the NHIS revenue sources to include road tax, “sin” tax (i.e. tobacco and alcohol taxes) and petroleum revenue tax are being advocated to guarantee financial viability and early payment of service providers [10]. Comprehensive stakeholder consultation and policy dialogues could help explore the opportunities and potential challenges in implementing these proposals.

Frontline health workers’ perceptions on the adequacy of information dissemination by the NHIA improved marginally in both intervention and control facilities suggesting the need for intensified efforts in information dissemination strategies. The NHIA introduced a national call center in 2013 to address clients and service providers’ grievances on the NHIS. According to the NHIA, mass media campaigns to promote information accessibility to stakeholders have also been intensified [1]. Impact of these interventions on improved service quality however remain scientifically unproven.

The perceived impact of NHIS on quality health service delivery was found to have improved, particular among staff working in intervention health facilities (p < 0.05). Similar studies on impact of community engagement on quality care in Ghana [29] and health insurance in South Africa [22], Burkina Faso [24, 37], Rwanda [38] and Brazil [25] underscore the relevance of community engagement in health programmes including health insurance. Indeed, the African Union (AU) endorsed community engagement for health systems in Africa towards attaining sustainable and equitable health programmes [39].

These revelations demand increased political will to ensuring full engagement of communities and relevant stakeholders in health and insurance programmes. Perhaps, appraising performance of district and regional health administrations based on the level of community engagement in health provision could promote the concept. Likewise, evaluating performance of municipal and district assemblies (M&DAs) and members of parliament (MPs) based on the level of community engagement in health in their districts and constituencies could enhance political will and commitment.

The SCE interventions are potentially scalable and sustainable since they do not demand huge financial commitment. Approximately US$ 380.0 can conduct a round of SCE within the year. This modest financial commitment can easily be accommodated by monitoring budgets of the District Health Management Teams (DHMTs) and NHIS district offices [1].

Policy makers at the NHIA and Ministry of Health (MoH) levels could initiate discussions on possibly piloting and scaling up the SCE concept, preferably in the northern and middle belts of the country. The SCE concept could contribute towards empowering communities and creating a common platform for relevant stakeholders to deliberate on challenges and achievements of the NHIS and healthcare system at large.

National health policy direction on structured community engagement in health could help promote service provider accountability to clients and communities which would likely culminate in enhanced trust in the healthcare system and ultimately stimulate active participation in the NHIS and promote the pursuit for universal health coverage.


This study was conducted in clinics/health centres whose frontline workers might have significantly different perceptions and experiences of the NHIS from those working in bigger health facilities. Moreover, the study was conducted in two (2) out of ten (10) regions in the better endowed southern Ghana. Perhaps perspectives of health workers in the less endowed northern sector might be significantly different. Conclusions should therefore be interpreted with respect to validity for other regions and higher level healthcare facilities.

Moreover, given the time lag (2 years) between the baseline and follow-up surveys, it is possible some institutional and national level developments (beyond the control of this study) might have influenced the health staff perspectives on the NHIS besides the impact of the interventions. For instance, upgrading of some clinics/health centres to hospitals during follow-up could have affected, service delivery, human and material resource capacity and workload in these pertinent health facilities and hence impact on staff experiences and perceptions.


Frontline health workers’ perceptions on the NHIS and its impact on quality health service delivery are predominantly positive especially in intervention health facilities. However, majority of staff expressed disappointment in delayed reimbursement of service providers implying the need for intensified efforts by NHIA and Government of Ghana (GoG) to ensure timely release of funds from the statutory National Health Insurance Fund (NHIF). Proposals for additional sources of revenue for the NHIS should also be discussed and possibly adopted to address this perennial challenge.

As demonstrated in this study, effective community engagement and stakeholder consultation is a viable strategy worth considering by policy makers to help promote stakeholder participation and support for the NHIS in Ghana. Accelerated political will and policy dialogues could help prioritize this proposal in the national agenda.


ATT, Average Treatment Effect on the Treated; AU, African Union; CPCs, Claims Processing Centres; DHMT, District Health Management Team; DiD, Difference-in-difference; ERC, Ethical Review Committee; GAR, Greater Accra region; GHS, Ghana Health Services; GoG, Government of Ghana; LE, Light Engagement; LMICs, Low and Middle Income Countries; M&DAs, Municipal and District Assemblies; MDGs, Millennium Development Goals; MoH, Ministry of Health; MPs, Members of Parliament; NHI, National Health Insurance; NHIA, National Health Insurance Authority; NHIF, National Health Insurance Fund; NHIS, National Health Insurance Scheme; OOP, Out of Pocket Payment; OPD, Out-patient Department; RCT, Randomized Control Trial; SCE, Systematic Community Engagement; SHI, Social Health Insurance; WR, Western region


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We acknowledge the support of the Netherlands government through NWO/WOTRO Ghana project and collaborators of the study such as the Noguchi Memorial Institute for Medical Research, University of Ghana Legon; Amsterdam Institute for Global Health and Development, University of Amsterdam; Vrije University of Amsterdam and University of Groningen. We also appreciate the support of local stakeholders like the National Health Insurance Authority; Ghana Health Service, Ministry of Health, Christian Health Association of Ghana; Society of Private Medical and Dental Practitioners; clients and various community groups and associations engaged throughout the research work.


This study was conducted with the support of the Netherlands government through NWO/WOTRO Ghana project (Project no.W07.45.104.00). Collaborators of the study include Noguchi Memorial Institute for Medical Research, University of Ghana Legon; Amsterdam Institute for Global Health and Development, University of Amsterdam; Vrije University of Amsterdam and University of Groningen.

Availability of data and materials

All data supporting our findings is contained in the manuscript. There are no restrictions to data sources per se but details of the full data may be accessed through the Principal Investigator (PI), Prof. Tobias F Rinke de Wit (Amsterdam Institute for Global Health and Development University of Amsterdam. Postal Address: Pietersberweg 17; 1105 BM Amsterdam. The Netherlands. E-mail: and the Co-PI in the person of Dr. Daniel Kojo Arhinful (Noguchi Memorial Institute for Medical Research, University of Ghana Legon. PO Box LG 583, Legon. E-mail:

Authors’ contributions

RKA TFRDW initiated the conceptualization and writing of the paper. RKA TFRDW EN provided advice on the analysis and interpretation of results. NS DKA reviewed the manuscript and provided expert advice from the public health and health policy perspectives. All the authors read and approved the final manuscript.

Competing interests

The authors declare that they have no competing interests.

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Not applicable.

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Ethical clearance for the study was obtained from the Ghana Health Service (GHS) Ethical Review Committee (ERC) [clearance numbers: GHS-ERC: 18/5/11and GHS-ERC 08/5/11]. Written informed consent was also obtained from the individual subjects.

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Correspondence to Robert Kaba Alhassan.

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Alhassan, R.K., Nketiah-Amponsah, E., Spieker, N. et al. Perspectives of frontline health workers on Ghana’s National Health Insurance Scheme before and after community engagement interventions. BMC Health Serv Res 16, 192 (2016).

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