ReachUHC: a study protocol of a randomized controlled trial of a mobile phone-based reminder and automatic renewal intervention to increase health insurance renewal rates in Kumasi, Ghana
Year: 2025
Type: article
Study design: Study Protocol
Abstract: BACKGROUND: Since the Ghanaian National Health Insurance Scheme (NHIS) was introduced in 2004, coverage rates have remained low, despite affordable premiums and payment exemptions for minor, senior, poor, and pregnant individuals. While 82% of the population have registered with the NHIS, many fail to complete the annual renewal and thus lose their coverage. A mobile renewal service introduced in 2018 simplified the previously cumbersome renewal procedure. Still, 40% of active member experience gaps in coverage in a given year, and 19% fail to renew at all. Baseline research suggests that forgetfulness is a major barrier to renewal. METHODS: A total of 342,818 NHIS members from Kumasi will be randomized into the reminder, autorenewal or control groups. The reminder arm receives SMS prompts to complete the mobile renewal process and payment before expiration. The autorenewal arm is eligible to sign up for automatic renewal and give the NHIS permission to deduct the premium from their mobile money account, and will receive SMS prompt to do so. The intervention lasts 6 months. NHIS routine data will be used to evaluate the effect of the interventions on renewals. A follow-up survey household survey in Kumasi will evaluate additional aspects user experience. DISCUSSION: Improving insurance retention has the potential to substantially increase health insurance coverage rates, as 45% of the Ghanaians currently have expired insurance. Assessing these tools will identify enabling factors and barriers of the intervention and inform the transferability of the intervention to other health insurance systems in sub-Saharan African countries. TRIAL REGISTRATION: PAN AFRICAN CLINICAL TRIALS REGISTRY, PACTR202409918648487: Registered on 04 September 2024.
Source: Trials
Authors: Laura Nübler, Mawumenyo Aku Kwawukume, Fati Ibrahim, Anne Neumann, Bernard Okoe Boye, Vivian Addo-Cobbiah, Ellis Owusu-Dabo, Kofi Akohene Mensah, Verena Struckmann, Samuel Knauss, Julius Valentin Emmrich, Ruth Waitzberg, Enoch Affanyi, Orison Afflu, Joe Annor-Darkwah, Daniel Blankson, Francis Asenso-Boadi, Juliette Cazier, Jennifer Bencivenga, Carolina Pioch, Martin Siegel, Wilm Quentin, Daniel Opoku
Institutions: Technische Universität Berlin, Potsdam Institute for Climate Impact Research, Kwame Nkrumah University of Science and Technology, Charité - Universitätsmedizin Berlin, European Observatory on Health Systems and Policies, Heidelberg University, Heidelberg Institute of Global Health, University Hospital Heidelberg, Universität Greifswald, University of Bayreuth
Language: English
Subfield: Finance
Domain: Social Sciences
Open Access status: gold
Estimated APC paid: $2,790
OpenAlex ID: W7116758617