Even as healthcare financing is basically out-of-the-pocket, 90% of our Health Institutions collaborates with the Bamenda Ecclesiastical Province Health Assistance (BEPHA) or Kumbo Mutual Health Organisation (KMHO), private schemes of healthcare sponsorship solidarity. The Offices of one or the other is located in the Health Institution where their members are served when they come to the Hospital. Health Insurance is still a fairly new initiative in our area, thus there is resistance in adherence.