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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 ADDRESS
1 Acacia Health Insurance LimitedNo. 5 Asoye Lane, East Legon.
2 Apex Health Insurance Limited Suite 102, Zion House, No. 7 Nii Yemoh Avenue, OIC Road Shiashie- East Legon- Accra
3Cosmopolitan Health Insurance LimitedHouse Number E658, Pawpaw Street East Legon – Accra
4Empire Health Insurance LimitedHouse No. B29, Abofum Street Near Adenta Municipal Assembly Adenta- Accra
5GLICO Healthcare LimitedNo. 3 Aviation Road, Adjacent Ghana Home Loans, Airport-Accra
6Kaiser Global Health LimitedKaiser House, Near Aninwah Medical Centre Emina Taxi Station, Kumasi
7Liberty Medical Health Scheme LimitedDebrah House, Plot No. L1/5A 8,9 Adjacent Gyawu Towers Tema Motorway Roundabout, Tema
8Metropolitan Health Insurance Ghana LimitedMetropolitan House, 8 Tabon Link North Ridge Crescent, North Ridge, Accra
9NMH Nationwide Medical Health Insurance Scheme LimitedPremium Place, No. 25 Osu Avenue Road, Ako Adjei Interchange, Accra
10Premier Health Insurance Company Limited48 Cocoa Street, Teshie Nungua Estates
11Universal Health Insurance LimitedHouse No. A1 Lovely Tanker Yard Tema Community 25, Tema
These licences are valid from 1st January, 2016 to 31st December, 2017
  • To be able to operate legally, a Private Health Insurance Scheme must possess valid operational licence issued by the National Health Insurance Authority.
  • A healthcare facility transacting business with Private Health Insurance Scheme shall be a credentialed facility of the National Health Insurance Authority.
  • A person desiring to enroll with 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.

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)

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