![]() Specific targeting is required for older adults living in rural areas who are less likely to benefit from the old-age exemption policy in spite of being eligible. ![]() Additionally, the policy is not reaching those who need it most, particularly those living in rural areas. ![]() Conclusions These findings indicate that the old-age exemption policy is not achieving the intended goal of providing financial risk protection for some older adults. Also, older adults who are living in rural areas were more likely to pay premiums rather than being exempt as compared to their counterparts living in urban areas. Additionally, increasing age was associated with higher odds of reporting exemption from paying premiums for health insurance. Results The results reveal that only about 43% of older adults who were enrolled on the NHIS at the time of the survey acquired their membership through the old-age exemption policy. Descriptive statistics and binary logistic regression were used in analysing data from a sample of 1532 older adults aged 70 years and older. Methods The study used data from the seventh round of the Ghana Living Standards Survey (GLSS 7) conducted in 2017. This study examined socio-demographic factors associated with old-age premium exemption under Ghana’s NHIS. Ghana’s National Health Insurance Scheme (NHIS) is one of the few programmes in Africa that exempts older adults from paying premiums for health insurance. Only a few African countries have implemented SHI programmes that include specific provisions for older adults.
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