The paper discusses the findings of a survey which explored the implications of access to health care by examining costs incurred by health insurance card holders in the Savelugu-Nanton District. Treatment for malaria, a disease that causes morbidity and mortality in Sub-Sahara Africa, US$ 46.20 (2009 prices). While indirect costs were disproportionately greater than direct costs, the study affirmed that health insurance generally insulate subscribers from monetary payments which in itself increases both attendance and utilisation of health services even though the implication of this phenomenon on time loss and productivity appear to be rather enormous.
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