**7. Health financing schemes in LMICs, lesson from Ghana and Thailand**

Since the adoption of the WHO's world health report in 2000, governments of LMICs have formulated strategies to finance health care to increase equity in access to health care in their respective countries**.** Despite the frantic efforts and success chalked by various countries in this direction, there are still rooms for improvements. Rwanda, for instance, has achieved near-universal health coverage, and Ghana, Nigeria, Senegal, and Tanzania have made giant strides in the establishment of national health insurance schemes. However, many countries in sub-Saharan Africa are at various stages of their health financing schemes. This section expounds on selected health financing schemes that have successfully been applied to cover all categories of individuals, including poor people to draw useful lessons for adaptation and replication in other peer countries. Ghana and Thailand are excellent examples of robust and successful health financing schemes worthy of emulation. These two countries present excellent best practices for replication, but not without challenges on their path to universal health coverage. The two countries' insurance schemes were chosen because of their uniqueness. The successes and challenges are elucidated in the following section.
