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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 that, apart from the under listed Licensed Private Health Insurance Schemes and Brokers, and 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 HEALTH INSURANCE SCHEMES
S/NNAME OF SCHEMECONTACT INFO
1 Acacia Health Insurance Limited Address: Plot No. 220, Garden Street, (Near A&C Mall), East Legon, Accra.
E-Mail:info@acaciahealthinsurance.com.
Website: www.ahighana.com
Tel: +233-233- 008-821/ 233-008-810/ 302-543-738/ 302-543-734/ 0233 008 860 / 0233 008 826 / 0233 009 927
2 Ace Medical Insurance Address: B902, The Octagon, Barnes Road, Accra Central
E-Mail: info@acemedinsurance.com
Website: www.acemedinsurance.com
Tel: +233-552 571 275/ 556 778 903 / 556 778 906/ 556 778 907
3 Apex Health Insurance Limited Address: Suite 102, Zion House, No. 7 Nii Yemoh Avenue, OIC Road, Shiashie-East Legon-Accra
E-Mail: info@apexhealthghana.com
Website: www.apexhealthghana.com
Tel: +233-23-200-0015 / +233-50-156-2962/ +233-26-538-0622/ +233-50-130-4156/ +233-302- 544-410/ 302-542-554 Toll-Free : 0800-400-600
4Cosmopolitan Health Insurance Limited Address: House Number E658, Pawpaw Street East Legon – Accra
E-Mail: @cosmopolitanmhi.com
Website: www.cosmopolitanmhi.com
Tel: +233 (0)302-769-594+233-262-761-515/ 262-762-424/ 302-540-668/ 0501678547/0501529261 /0501399263 /0501399264 /0501685976 /0501529441
5GLICO Healthcare Limited Address: GLICO Building, No. 3 Aviation Road, Airport, adjacent FNB Bank, (former Head Office of Ghana Home Loans), Accra
E-Mail:info@glicohealth.com
Website: www.glicohealth.com
Tel: 233(0) 261 589 926 / 204 371 757 / 501 555 157/ 020 222 2113/ 302 766 871/ 0302 246140/2 or 0202222113
6Metropolitan 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
7NMH Nationwide Medical Health Insurance Scheme Limited Address: No. 21 Independence Avenue, 2nd Floor Vanguard Building, Accra P.M.B. 108, Airport, Accra Ghana
E-Mail:info@nationwidemh.com
Website: www.nationwidemh.com
Tel: 233 (0) 30 - 222 - 6892 / 0800 222 222/ +233 (0) 20 - 222 – 3959/ +233 (0) 50 - 148 – 2830/ +233 (0) 20 - 222 – 3968/ +233 (0) 54 - 434 - 0021
8 Phoenix Health Insurance Address: No. 36 Independence Avenue, North-Ridge, Accra
E-Mail:info@phoenixhealthgh.com
Website: www.phoenixhealthgh.com
Tel: +233-207-998-163/4/ 302-671-050/302-667-426/ 302-668-463/ 302-701-0394
9Premier Health Insurance Company Limited Address: H/No. 48 Cocoa Street, Teshie-Nungua Estates, Accra
E-Mail:info@premierhealthinsurance.org
Website: www.premierhealthinsurance.org
Tel: +233-207-998-163/4/ 302-671-050/302-667-426/ 302-668-463/ 302-701-0394
10 Spectra Health Mutual Insurance Address: 3rd Floor, B1, Thankful Height, Off Harper Road, Dontoase Link, adjacent Presbyterian Guest House, Adum-Kumasi
Email:info@spectramutual.com
Website:www.spectramutual.com
Tel: +233-208 000 740/ 509 560 189/ 509 560 220/ 541 855 055
11 Vitality Health Systems Limited Address: Cidan House, A/50 Commercial Centre, Community 11, Tema
Email: info@vitalitymh.com
Tel: +233-303-301-245/ +233 (0)303 309710/ +233 (0)266 573200 / (0)202 417388
These licences are valid from 1st July 2020, to 30th June, 2022
  • 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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