[1] Jiangsu Univ, Sch Finance & Econ, 301 Xuefu Rd, Zhenjiang, Jiangsu, Peoples R China
[2] Jiangsu Univ, Inst Appl Syst Anal, Zhenjiang, Jiangsu, Peoples R China
[3] Natl Hlth Insurance Author, Membership Directorate, Accra, Ghana
[4] Ghana Hlth Serv, Eastern Reg Off, Koforidua, Ghana