Cure Rate Analysis of National Health Insurance Scheme Claims Payment Survival Times in Ghana: The Case of Pru District

In this study, cure models have been applied to model National Health Insurance Scheme (NHIS) claims payment data with cured proportion using Pru District in the Bono East Region of Ghana as a case study. The covariates effects were also modelled to investigate the effects of the covariates on the cured proportion. The estimates of the parameters of the models were obtained by directly maximizing the observed likelihood functions. Most estimates of the parameters of the cure models are significant at 5% significance level. The study revealed that the cured claims payments rate increases over time with an estimated cured rate of 23.2%. Most covariates are significant at 5% significance level in most of the cure regression models, thus, the covariates, number of NHIA staff vetting the claims and claims submission category contribute to the claims payments cure rate. Weibull cure model modelled the data best over the competitive models. To ensure the sustainability of the scheme and the attainment of Universal Health Coverage (UHC) by 2030 in Ghana, the health policy makers should prioritise claims payments to Healthcare Providers (HCPs) at the primary health care (PHC) levels within time over HCPs above PHC level.