The national health insurance scheme: perceptions and experiences of health care providers and clients in two districts of Ghana

The perceived opportunistic behavior of the insured by providers was responsible for the difference in the behavior of providers favoring the uninsured. Besides, the delay in reimbursement also accounted for providers’ negative attitude towards the insured. There is urgent need to address these issues in order to promote confidence in the NHIS, as well as its sustainability for the achievement of universal coverage. </AbstractSection> Copyright Dalinjong and Laar; licensee Springer. 2012