OBJECTIVES: To assess the value and service quality of the National Health Insurance Scheme (NHIS) benefits. METHODS: A review method was employed to analysis medical claims for the 2011 to 2013 period. The medical claims were retrieved from the database of the Ashiedu Keteke District NHIS Office. The incurred claims ratio, promptness of claims settlement, and claims rejection ratio indicators of benefit value and service quality were analyzed. RESULTS: A total of 421,574 medical claims with a cost of GHS7.3 million (USD2.6 million) were analyzed. These claims came from thirteen accredited healthcare providers-three public health facilities, four private clinics and six community pharmacies. The incurred claims ratio increased significantly from 4.3 to 7.2 over the period, 2011-2013. The proportion of claims settled beyond 90 days increased consistently from 26% to 90% over the same period. Although, the proportion of claims rejected increased from 0.9% to 3.6% over the period under review, overall, it was low. The reasons for rejection included provision of benefits to inactive subscribers and breach of sub-limit on certain expense category. CONCLUSIONS: There is increased awareness and utilization of health services; however, there are considerable delays in claims settlements. It would be necessary for management of the NHIS to settle claims in time to ensure that healthcare providers are financially resourced to render service to subscribers.