International Journal of Health Policy and Management

International Journal of Health Policy and Management

A Narrative Synthesis Review of Out-of-Pocket Payments for Health Services Under Insurance Regimes: A Policy Implementation Gap Hindering Universal Health Coverage in Sub-Saharan Africa

Document Type : Review Article

Authors
Abigail Nyarko Codjoe Derkyi-Kwarteng 1, 2
Irene Akua Agyepong 1, 3
Nana Enyimayew 1
Lucy Gilson 4, 5
1 Faculty of Public Health, Ghana College of Physicians and Surgeons, Accra, Ghana
2 Ghana Health Service, Accra, Ghana
3 Research and Development Division, Ghana Health Service, Accra, Ghana
4 School of Public Health and Family Medicine, University of Cape Town, Cape Town, South Africa
5 Department of Global Health and Development, London School of Hygiene and Tropical Medicine, London, UK
10.34172/ijhpm.2021.38
Abstract
Background 
“Achieve universal health coverage (UHC), including financial risk protection, access to quality essential healthcare services and access to safe, effective, quality and affordable essential medicines and vaccines for all” is the Sustainable Development Goal (SDG) 3.8 target. Although most high-income countries have achieved or are very close to this target, low- and middle-income countries (LMICs) especially those in sub-Saharan Africa (SSA) are still struggling with its achievement. One of the observed challenges in SSA is that even where services are supposed to be “free” at point-of-use because they are covered by a health insurance scheme, out-of-pocket fees are sometimes being made by clients. This represents a policy implementation gap. This study sought to synthesise the known evidence from the published literature on the ‘what’ and ‘why’ of this policy implementation gap in SSA.
 
Methods 
The study drew on Lipsky’s street level bureaucracy (SLB) theory, the concept of practical norms, and Taryn Vian’s framework of corruption in the health sector to explore this policy implementation gap through a narrative synthesis review. The data from selected literature were extracted and synthesized iteratively using a thematic content analysis approach.
 
Results 
Insured clients paid out-of-pocket for a wide range of services covered by insurance policies. They made formal and informal cash and in-kind payments. The reasons for the payments were complex and multifactorial, potentially explained in many but not all instances, by coping strategies of street level bureaucrats to conflicting health sector policy objectives and resource constraints. In other instances, these payments appeared to be related to structural violence and the ‘corruption complex’ governed by practical norms.
 
Conclusion 
A continued top-down approach to health financing reforms and UHC policy is likely to face implementation gaps. It is important to explore bottom-up approaches – recognizing issues related to coping behaviour and practical norms in the face of unrealistic, conflicting policy dictates.
Keywords
Policy Implementation Gap
Universal Health Coverage
Out-of-Pocket Payments
Health Insurance
Sub-Saharan Africa
Low- and Middle-Income Countries

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International Journal of Health Policy and Management
Volume 10, Special Issue on Analysing the Politics of Health Policy Change in LMICs
The HPA Fellowship Programme 2017-2019
July 2021
Pages 443-461

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Derkyi-Kwarteng-Supple-File-1-IJHPM.pdf

  • Received Date 20 September 2020
  • Revised Date 07 April 2021
  • Accepted Date 10 April 2021
  • First Published Date 01 May 2021
  • Published Date 01 July 2021