Time as a determinant for National Health Insurance Scheme Subscriber Health Care Utilization


  • Aggrey Mavis School of Medical Sciences, Department of Community Health, Kwame Nkrumah University of Science and Technology, Kumasi, Ghana
  • Opuni Frimpong Frank Accra Polytechnic, Ghana
  • Nkum Bernard(, Dr. Kwame Nkrumah University of Science And Technology, Kumasi, Ghana


Ghana, Health Insurance,, Perception, Satisfaction, Health, Utilization, Time, Care, Client



The Time patients spent in the utilization of health care services could be a fundamental factor that determines clients’ subscription to the National Health Insurance Scheme in Ghana. Thus, Health utilization would partly depend on clients’ perception about the number of minutes spent in accessing health care other than non-card bearers



The study adopted a non-experimental design in eliciting information from involving health clients (18 to 70 years) who accessed health services in the Bantama sub-metro in the Kumasi metropolis. The sample size included 400 clients from ten health facilities. The researcher used interviews and semi-structured questionnaires to collect data and used SPSS version 20 for processing whiles descriptive and inferential statistics was supported with STATA 11.



Majority of subscribers assessed healthcare with their National Health Insurance (NHI) cards. Respondents 216 (54%) indicated there were delays in seeing a doctor, getting laboratories done, and accessing health care as a whole. Seventy-four percent (74%) of the entire population attributed both NHIS and cash and carry systems as the payment methods associated with delays in health facilities.



Clients’ perceptions about how long they spend in accessing health care influences their utilization of healthcare under the National Health Insurance Scheme. Increased enrolment in the scheme should be supported with provision of efficient services that prevent delays in health care in order to enhance clients’ satisfaction.


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Author Biographies

Opuni Frimpong Frank, Accra Polytechnic, Ghana

Head of Marketing Department, Accra Polytechnic

Accra Polytechnic,


Nkum Bernard(, Dr., Kwame Nkrumah University of Science And Technology, Kumasi, Ghana

Department of Sociology and Social Work,

Faculty of Art And Social Sciences,

Kwame Nkrumah University of Science And Technology,

Kumasi, Ghana.

(M.Phil. Sociology student and Graduate Research Assistant)


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How to Cite

Mavis, A., Frank, O. F., & Bernard(, N. (2014). Time as a determinant for National Health Insurance Scheme Subscriber Health Care Utilization. Journal of Social Sciences (COES&Amp;RJ-JSS), 3(3), 399–407. Retrieved from https://centreofexcellence.net/index.php/JSS/article/view/jss.2014.3.3.399.407