ArticleTrials2025
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.
Article in Trials, 2025. The graph could read no effect estimate from its abstract, so it casts no vote on the map. Cited by 1 paper.
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Trials whose registry record cites this paper, or whose number appears in the abstract. A trial that started after this paper was published is citing it as background, not reporting it.
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Who cites it
1 citing paper in PubMed.
- Examining the potential of mobile money-based health insurance for people living with HIV and hypertension or diabetes in Uganda.Frontiers in health services · 2026Article
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Authors and funding
23 authors.
Funding
Abstract
backgroundSince 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.
methodsA 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 registrationPAN AFRICAN CLINICAL TRIALS REGISTRY, PACTR202409918648487: Registered on 04 September 2024.
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