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Private Health Insurance In Ghana

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In the ever-evolving landscape of healthcare in Ghana, a call to action reverberates through the corridors of time, aimed squarely at our Gen X audience. It’s a tale of regulation, assurance, and staying one step ahead of the curve.

Picture this: A world where the National Health Insurance Authority dons its mantle as the guardian of private health insurance schemes in Ghana, guided by the wise and time-honored National Health Insurance Act, 2012 (Act 852). This authority’s mission is to ensure your peace of mind, to safeguard your health and wealth in an ever-unpredictable world.

But behold, there’s a twist in our story. The authority steps into the spotlight, ready to address the General Public and Healthcare Service Providers. The message is clear: there are schemes, unique in their glory, brandishing full or provisional licenses, worthy of your trust.

Yet, lurking in the shadows are those who dare to tread the treacherous path, attempting to offer health insurance services without the seal of approval from the National Health Insurance Act, 2012 (Act 852). These rogue individuals, firms, companies, and institutions are playing a dangerous game, casting their dice against the law.

In this high-stakes narrative, it’s essential to remember that the unlicensed and the unauthorized should raise red flags. They are, in every sense, the renegades of the health insurance world. Anyone who ventures into their realm is a lone wolf, taking their chances on uncharted territory.

The consequences of this gamble are not to be taken lightly. The law, under Section 63 of the National Health Insurance Act, 2012 (Act 852), stands as the sentinel, ready to mete out justice. When the path is unmarked and the road is uncertain, the law is the guiding star, a beacon of hope.

So, for our Gen X audience, here’s the moral of the story: In a world where healthcare choices abound, tread carefully. Stick with the tried and tested, the schemes with the green light of regulation. They’re not just the safe bet; they’re your sanctuary in a world of uncertainty. Because when it comes to health insurance, trust, and peace of mind, why take risks when you can roll with the champions of regulation and legality?

LICENSED PRIVATE COMMERCIAL HEALTH INSURANCE SCHEMES

S/N NAME OF SCHEME CONTACT ADDRESS
1 Acacia Health Insurance Limited No. 5 Asoye Lane, East Legon.
2 Cosmopolitan Health Insurance Limited House Number E658, Pawpaw Street East Legon – Accra
3 Glico Healthcare Limited GLICO Healthcare, NO. 3 Aviation Road, Adjacent Ghana Home Loans, Airport-Accra
4 Liberty Medical Health Scheme Limited No. 30 Paa Grant Street, Chez Julie Plaza, Community 10, Tema

PROVISIONALLY LICENSED PRIVATE COMMERCIAL HEALTH INSURANCE SCHEMES (ENDING 31ST OCTOBER, 2016)

S/N NAME OF SCHEME CONTACT ADDRESS
1 Premier Health Insurance Company Limited 48 Cocoa Street, Teshie Nungua Estates
2 NMH Nationwide Medical Health Insurance Scheme Limited Premium Place, No. 25 Osu Avenue Road, Ako Adjei Interchange, Accra
3 Kaiser Global Health Limited Kaiser House, Near Aninwah Medical Centre Emina Taxi Station, Kumasi

EXISTING PRIVATE HEALTH INSURANCE SCHEMES WITH PENDING LICENSING AND COMPLIANCE ISSUES TO RECTIFY BY 16TH NOVEMBER, 2016

S/N NAME OF SCHEME CONTACT ADDRESS
1 Apex Health Insurance Limited Suite 102, Zion House, No. 7 Nii Yemoh Avenue, Oic Road Shiashie- East Legon- Accra
2 Empire Health Insurance Limited B9 Shalom Shopping Mall, Near New Achimota Bus Terminal, Accra
3 Med – X Health Systems Limited 110 Ambassadorial Enclave, East Legon, Accra
4 Metropolitan Health Insurance Ghana Limited Metropolitan House, 8 Tabon Link North Ridge Crescent, North Ridge, Accra
5 Phoenix Health Insurance Limited Phoenix House, No. C896/3, Kanda Highway, Accra
6 Universal Health Insurance Limited House No. A1 Lovely Tanker Yard Tema Community 25, Tema

REVOKED/SUSPENDED PRIVATE HEALTH INSURANCE SCHEME LICENSES AS AT 18TH MAY 2016

S/N NAME OF SCHEME CONTACT ADDRESS
1 First Fidelity Health Insurance (Suspended) Suite Number 3A, Silver Star Towers Airport City, Accra
2 Axxess Mutual Health Insurance (Revoked) Edern Security Building, Opposite Naa Densua Plaza Achimota-Accra

THE PUBLIC IS ALSO TO TAKE NOTE OF THE FOLLOWING:

  • • To be able to operate legally, a Private Health Insurance Schemes must possess valid operational license issued by the National Health Insurance Authority.
  • • A healthcare facility transacting business with a Private Health Insurance Schemes shall be credentialed by the National Health Insurance Authority.
  • • A person desiring to enroll as a member of a Private Health Insurance Scheme shall first enroll as a member of the National Health Insurance Scheme.
  • • A contract of insurance for the provision of healthcare services entered into between a person and a Private Health Insurance Scheme is a private contract governed by the laws of contract of the country.
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