Presented at “Financial Protection and Improved Access to Health Care: Peer-to-Peer Learning Workshop Finding Solutions to Common Challenges” in Accra, Ghana, February 2016. To learn more, visit: https://www.hfgproject.org/ghana-uhc-workshop

1. MOBILE FACILITED INSURANCE PRODUCTS
AND SERVICES
Ghana NHIS Initiatives
THOMAS ADOBOE

2. Introduction
- 1 Billion Mobile Phones in Africa
- Phenomenal Penetration/Acceptance
- Catalysing ACCESS to:
- Information (Market Prices)
- Finance (Mobile Money)
- Health (Life Saving Advice)
- Infotainment (Radio)
- Mobile Phone Technologies
Vehicle for Social Transformation

3. NHIS Mobile Tech Initiatives
The Objective:
To provide Financial ACCESS by
REACHING OUT to the People,
providing INSTANT Subscription Services and
EMPOWERING them with Information while
AUTHENTICATING encounters
MOBILITY
The Context:
• 160 District Offices
• 500 VSAT locations
• 3,500 Health Facilities
• 25 Million People
• 42% Coverage
• 11% Indigent

4. Initiatives
• Mobile Registration
• NHIS Authentication System
• NHIS ePayment Architecture
• Enrolment of the Poor
• BeamUp Application
• Outlook 2016

5. Online Mobile Registration
NHIS Mobile Registration Kit
NHIS Mobile Registration Outreach

6. Initiatives
• Mobile Registration
• NHIS Authentication System
• NHIS ePayment Architecture
• Enrolment For Poor – Mobile
Application
• BeamUp Application
• Outlook 2016
BMS Authentication Device
(Tablet, Fingerprint reader, card reader)

7. NHIS Authentication System
• NHIS subscribers are verified by a BMS
Authentication Device at the Provider Site
• Claims Check Codes (CCC) are generated for
successful authentications
• NHIS subscribers access healthcare using the
CCC
Identified and
Authenticated
Generate CCC
Health Facility
Attendance

8. Initiatives
• Mobile Registration
• NHIS Authentication System
• NHIS e-Payment Architecture
• Enrolment of the Poor
• BeamUp Application
• Outlook 2016
NHIS ePAYMENT
1. New Registration
2. Renewal
3. Replacement

9. NHIS ePayment Architecture
*
Front Office
(BMS)
Payment Gateways
WebPOS Mobile Bank
Payment
Modes
Processors
NHIA
Back
Office
(EBS)
Aggregation
(NHIA)
NHIA
Bank(s)
Transactions
Platform
Other
Reports
*Industry regulated/certified processors
BI/Dashboard
epay.gov.ghNIB
eTranzact
Retail
Outlet Voucher
Mobile Wallet

10. NHIS Mobile Payment Process Flow
Update e-Payment
Database with
payment details
Payments are
moved to NHIA
Bank Account
Subscriber Makes
Payment on Mobile
Money Platform
NHIA Payment Portal
reviews payment and
generate Receipt
Update BMS with
Receipt Details
Verify e-Payment Details
Zero/Bank Payment Details
Load e-receipt (GCR) Details
Update Mobile
Money Wallet
Airtel
MTN
Vodafone
Tigo
Load e-receipt

11. Initiatives
• Mobile Registration
• NHIS Authentication System
• NHIS ePayment Architecture
• Enrolment of the Poor
• BeamUp Application
• Outlook 2016

12. Enrolment For Poor – Mobile Application

13. Initiatives
• Mobile Registration
• NHIS Authentication System
• NHIS ePayment Architecture
• Enrolment For Poor – Mobile
Application
• BeamUp Application
• Outlook 2016

14. Beamup Application
Provides information on
• NHIS and Non-NHIS accredited
Health providers within
selected radius nationwide
• Medicines covered by NHIS
• General information on NHIS

15. Outline
• Mobile Registration
• NHIS Authentication System
• NHIS ePayment Architecture
• Enrolment of the Poor
• BeamUp Application
• Outlook 2016

16. Outlook 2016 
Challenges
 Weak Signal Coverage in remote areas
 Sustained Device Performance

17. Outlook 2016 
Prospects
 Focused rollout of the Mobile services
 Intuitive Mobile Apps for everyone
 Ways to Extend services at minimal costs
 Thriving on continuous Innovation

18. Thank You