IF you go for Summon Ghost he's most helpful if you :
1) upgrade him (the skill level) if the required level is reached to upgrade him
2) before starting a battle, turn around, Summon the Ghost and turn back facing the enemies SO the Ghost is at your back (so you protect him in the first place, so he has TIME to Heal you

- especially in close area's (a coridor or something like that) this strategy is worth the effort !
3) Look at your Summoned Ghost and if an enemy attack him, attack THAT enemy to defend your Ghost!
4) A combination of Skills is also helpful: Summon Ghost and Charm ! So with Charm you can just charm that enemy who attack your Ghost and the tide of a heavy battle can fast switched in your advantage !
5) And the combination with your Creature that has a Ghoulish Head (Rush Attack & Fatality) is very nnice! If you've the luck you Creature is smashing down those enemies that attack your Ghost !
But I still must try a Goblin Head (Fireball) to see what it does together with my Ghosty Ghost
The Healing spell is very nice. Take at least 1 point in this skill, always. I take more than 1 point, but that's me.
Note : you can use Hide in Shadows to become invisible and while invisible you can use the Healing skill and you remains invisible!

.. or you can use Hide in Shadows or run far away if you can and use a healing potion, that's up to you