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Top Health Insurance Companies That Can Be Found In Ghana

Indeed, health is a paramount aspect of life, and prioritizing it is crucial for overall well-being. Your emphasis on advising people to take care of their health aligns with a fundamental truth, without health, one cannot fully enjoy the fruits of their labor.

In Ghana, the recognition of the importance of health is evident through the presence of numerous health insurance companies catering to the population.

This becomes particularly relevant for visitors, including African Americans, who are often urged to make health preparations due to potential health considerations in the new environment.

As one of the most visited countries in Africa, Ghana boasts several health insurance companies committed to ensuring the well-being of both citizens and visitors.

The article provides a valuable compilation of some of the best insurance companies operating in the country, addressing the diverse health needs of the population.

The introduction of the National Health Insurance Scheme has been instrumental in elevating Ghana’s healthcare system, earning it recognition among African countries with robust health infrastructure.

The transition from a ‘cash-and-carry’ system to a more inclusive health insurance approach has significantly improved access to healthcare, especially for the economically disadvantaged.

As the article delves into the details of public health schemes in the country, it contributes to the broader understanding of the healthcare landscape in Ghana and the initiatives undertaken to ensure comprehensive coverage for all.


The implementation of the National Health Insurance Scheme (NHIS) in 2003 marked a pivotal step towards ensuring that individuals in the lower economic strata could access healthcare without undue obstacles.

The primary goal was to address the challenge of healthcare accessibility for the economically disadvantaged in society.

Under the NHIS, individuals who enrolled in the scheme gained the privilege of accessing healthcare services during their registration period.

This initiative aimed to provide a mechanism through which people could receive necessary medical attention without the financial barriers that existed in the previous ‘cash-and-carry’ system.

Enrollment in the scheme offered a window of coverage, providing individuals with the assurance that their healthcare needs would be attended to without upfront financial burdens.

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However, to maintain this coverage, individuals were required to renew their enrollment when it expired, ensuring a continued provision of accessible healthcare services.

The NHIS, in its essence, represents a crucial step in democratizing healthcare access and addressing disparities in health service provision in Ghana.

Private insurance companies

Here are some of the insurance companies operating in the country.

Cosmopolitan Health Insurance Limited

The establishment of this health insurance company in 2014 marked its initiation into the landscape of offering health insurance services to the people of Ghana.

Beginning as a small private entity, the company has progressively evolved to establish itself as one of the leading health insurance providers in the country.

Customer feedback, as reflected in a Google review, indicates a rating of 2.2 out of 5. While numerical ratings provide a snapshot, it’s important to delve into specific reviews to understand the experiences that contribute to the overall rating.

Customer reviews often offer valuable insights into the strengths and areas for improvement of a service provider.

Despite the rating, the company’s growth trajectory suggests that it has garnered a significant presence and trust within the Ghanaian health insurance market.

As with any service, individual experiences may vary, and prospective customers may find it beneficial to explore detailed reviews to make informed decisions about the suitability of the company for their specific health insurance needs.

Apex Health Insurance

Situated in the capital city of Accra, Apex stands as one of the esteemed health insurance companies in Ghana.

Known for its reputation, the company provides a diverse array of health insurance products catering to the varied needs of its customers.

These offerings encompass comprehensive healthcare services, including both inpatient and outpatient care.

Apex goes beyond the basics, extending its coverage to include investigations and pharmaceutical services.

This holistic approach ensures that customers under the Apex health insurance umbrella have access to a wide spectrum of medical services, enhancing their overall health and well-being.

The inclusion of a range of health insurance products and services underscores Apex’s commitment to providing comprehensive coverage, making it a notable player in the Ghanaian health insurance landscape.

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Metropolitan Health Insurance

Being an award-winning insurance company with a stellar five-star rating, this company stands as one of the top insurance providers in the country.

The recognition of excellence through awards and a high rating underscores the company’s commitment to delivering quality services and meeting the diverse needs of its clientele.

An interesting feature that sets this company apart is its unique offer: members have the opportunity to receive a refund if they go an entire year without filing an insurance claim.

This incentive not only serves as a testament to the company’s confidence in its services but also provides a tangible benefit to policyholders who maintain a claim-free record.

The combination of accolades, high ratings, and innovative offerings positions this insurance company as a standout choice in the insurance landscape, emphasizing both quality service delivery and customer-centric benefits.

Kaiser Global

As a fully licensed insurance company headquartered in the capital city of Accra, this company holds a distinguished position in the insurance sector.

Its status as an award-winning entity further solidifies its standing as one of the top insurance companies in the region.

The recognition through awards indicates a commitment to excellence and outstanding service provision.

In addition to its accolades, the company’s prominence is underscored by its diverse range of insurance products.

Offering a comprehensive suite of products reflects a commitment to meeting the varied needs of its customers, enhancing their ability to find tailored insurance solutions.

With its base in Accra and a track record of recognition, this insurance company stands out as a reputable and versatile choice for individuals and businesses seeking insurance coverage in Ghana.

Glico Healthcare Limited

This health insurance company has achieved significant popularity in Ghana, and its recognition extends beyond its services to the memorable and humorous advertisement videos that have entertained audiences for years.

Despite the initial attention drawn by its entertaining commercials, the company has secured its position as one of the most well-known health insurance providers in the country.

The acknowledgment as the best healthcare company in 2018 underscores the company’s commitment to excellence in the healthcare sector. With a commendable rating of 4.1 out of 5, as indicated by customer reviews, it further affirms the company’s positive impact and satisfaction among its clientele.

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The blend of humor in advertising, coupled with industry accolades and favorable customer ratings, cements this health insurance company as a noteworthy and popular choice in Ghana’s healthcare landscape.

Phoenix Health Insurance

Being one of the largest insurance companies in Ghana, this company has established a significant presence in the industry.

Notably, its outreach extends to the diaspora, reflecting a commitment to serving a diverse clientele.

The provision of healthcare insurance in the comfort of customers’ homes underscores the company’s dedication to accessibility and convenience.

The exceptional rating of 4.9 out of 5, as per the information available on their website, positions this company as one of the best-performing entities in the country.

Such a high rating is a strong indicator of the company’s success in meeting the needs and expectations of its customers.

With its extensive reach, commitment to customer service, and stellar rating, this insurance company stands out as a formidable player in the Ghanaian insurance sector, offering comprehensive solutions to individuals and businesses alike.

Premier Health Insurance

As a registered private commercial healthcare insurance scheme under the NHIS ACT 2012 of Ghana, this company operates within the regulatory framework to provide healthcare coverage to its customers.

Offering a diverse range of healthcare packages, the company aims to cater to the varying needs of its clientele.

An impressive rating of 4.9 out of 5 attests to the favorable opinion and satisfaction of the customers.

This high rating suggests that the company has garnered strong support and trust from the people it serves, emphasizing its effectiveness in delivering quality healthcare services.

Operating within the guidelines of the NHIS ACT and backed by a stellar rating, this private healthcare insurance scheme emerges as a reliable choice for individuals seeking comprehensive and well-regarded healthcare coverage in Ghana.



The above are the best-performing insurance companies in Ghana at the moment. You should visit any of these before you look elsewhere for healthcare insurance. 

For more insurance-related articles, you can also check out Hollard Insurance Company, done well insurance company, and Phoenix Insurance Company.      

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