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Market Brief - Africa Economic Financial Brief 11-15 November 2013
It is widely agreed that universal health coverage is an effective way of reducing financial impoverishment caused by health spending and increasing access to key health services in less affluent countries . In Africa, formal and well functioning health insurance schemes generally exist for the very few who are employed in the formal sector. Access to health care for the wide majority is mainly through out-ofpocket expenditure, which however could lead to suboptimal use of health care services . Nevertheless, over the past two decades, a variety of health insurance schemes have emerged in a number of African countries. For instance, Namibia and South Africa have voluntary health insurance schemes including private health insurance (PHI), while Ghana, Senegal, Rwanda and DRC have community-based health insurance (CBHI) in place.