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National Health Insurance Scheme

Private Health Insurance Scheme


The National Health Insurance Authority, the Regulator of Private Health Insurance Schemes in Ghana under the National Health Insurance Act, 2012 (Act 852), wishes to inform the General Public and all Healthcare Service Providers that apart from the under listed Licensed Schemes, any other Institution, Firm, Company, or Individual(s) purporting to offer health insurance services is unlicensed and in violation of Section 63 of the National Health Insurance Act, 2012 (Act 852).

Any person who transacts business with a Private Health Insurance Scheme other than those licensed in line with the above law, does so at their own peril.
LICENSED PRIVATE COMMERCIAL HEALTH INSURANCE SCHEMES
S/NNAME OF SCHEMECONTACT INFO
1 Acacia Health Insurance Limited Address: No 5 Asoye Lane, East Legon.
E-Mail: info@acemedinsurance.com
Tel: +233-244-656-628/ 540-113-507
2 Ace Medical Insurance Address: No. 9033 Octagon, Barnes Road, Accra Central
E-Mail: info@acaciahealthinsurance.com.
Website: www.ahighana.com
Tel: +233-233- 008-821/ 233-008-810/ 302-543-738/ 302-543-734
3 Apex Health Insurance Limited Address: Suite 102, Zion House, No. 7 Nii Yemoh Avenue, OIC Road bShiashie- East Legon- Accra
E-Mail: info@apexhealthghana.com
Website: www.apexhealthghana.com
Tel: +233-302-544-410/ 302-542-554
4Cosmopolitan Health Insurance Limited Address: House Number E658, Pawpaw Street East Legon – Accra
E-Mail: @cosmopolitanmhi.com
Website: www.cosmopolitanmhi.com
Tel: +233-262-761-515/ 262-762-424/ 302-540-668
5GLICO Healthcare Limited Address: No. 3 Aviation Road, Adjacent Ghana Home Loans, Airport-Accra
E-Mail:info@glicohealth.com
Website: www.glicohealth.com
Tel: +233-209-995-035/ 200-203-967/ 302-767-142/ 303-967-471/ 303-965-060
6Kaiser Global Health Limited Address: No. 10 Swaniker Street,Abelenkpe - Accra.
E-Mail:info@kaisermutualhc.org
Website: www.kaisermutualhc.org
Tel: +233-322-395-417/ 501-287-107/ 501-287-109/ 501-337-302
7Liberty Medical Health Scheme Limited Address: Debrah House, Plot No. L1/5A 8,9 Adjacent Gyawu Towers Tema Motorway Roundabout, Tema
E-Mail:info@libertymh.com
Website: www.libertymh.com
Tel: +233-302-633-933
8Metropolitan Health Insurance Ghana Limited Address: Metropolitan House, 8 Tabon Link North Ridge Crescent, North Ridge, Accra
Website: www.metropolitangh.com
Tel: +233-302-998-809
9NMH Nationwide Medical Health Insurance Scheme Limited Address: Premium Place, No. 25 Osu Avenue Road, Ako Adjei Interchange, Accra
E-Mail:info@nationwidemh.com
Website: www.nationwidemh.com
Tel: +233-302-251-107/8 /285-410-072/2
10 Phoenix Health Insurance Address: C1034/4, 7th Avenue, North Ridge Accra
E-Mail:info@phoenixhealthgh.com
Website: www.phoenixhealthgh.com
Tel: +233-207-998-163/302-671-050
11Premier Health Insurance Company Limited Address: 48 Cocoa Street, Teshie Nungua Estates
E-Mail:info@premierhealthinsurance.org
Website: www.premierhealthinsurance.org
Tel: +233-302-751-726-8/ 204-333-555-6/ 503-324-818
12Takaful Ghana Health Insurance Address: Eman House, Aburi Road Oyarifa, Accra
Tel: +233-302-906-266
13 Vitality Health Systems Limited Address: Cidan House, A150 Commercial Center, Community 11,Tema
Email: info@vitalitymh.com
Tel: +233-303-301-245/ 303-309-710
These licences are valid from 1st July 2018, to 30th June, 2020
  • Section 63 (1) of the National Health Insurance Act, 2012 (Act 852) states that “A person shall not provide private health insurance service or operate a private health insurance scheme unless the scheme is registered with the Authority and issued with a licence.
  • A Private Health Insurance Scheme shall conduct business with only National Health Insurance credentialed providers.
  • A resident of Ghana shall belong to the National Health Insurance Scheme and may belong to a private 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.

The National Health Insurance Authority (NHIA) is mandated by National Health Insurance Act, 2012 (Act 852) to regulate Private Health Insurance Schemes (PHIS) in Ghana. In performing its regulatory functions the Authority registers, licenses and supervises the operations of PHIS in Ghana. The law established two (2) types of private health insurance schemes:
  • Private Mutual Health Insurance Scheme (PMHIS)
  • Private Commercial Health Insurance Scheme (PCHIS)
Functions
  • 1. Licenses insurers and insurance intermediaries who transact health insurance business in Ghana
  • 2. Develops and disseminates guidelines for operating private health insurance schemes in consultation with relevant bodies.
  • 3. Regulates to ensure compliance with National Health Insurance Act, 2012 (ACT 852), the PHIS Guidelines, other applicable enactments and industry best practice.
  • 4. Prescribes through the Minister, minimum healthcare benefits to schemes where necessary.
  • 5. Provides a bureau to which members of the public may channel their complaints for resolution.
  • 6. Supervises and approves transactions between insurers, intermediaries and reinsurers.
  • 7. Engages media to sensitize the general public on private health insurance.
  • 8. Take action against any person carrying on insurance business or the business of insurance intermediaries without a licence.

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