Health insurance companies help people afford medical care by covering or reimbursing healthcare costs, providing access to quality services, promoting preventive care, and reducing the financial burden of illness or injury.
1. Acacia Health Insurance (part of Enterprise Group)
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Plan Types: Uniplan, Premier Care, Super Care, Super Care Plus
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Network: 1,000+ providers nationwide pacificprime.comequityhealthinsurance.com+3myenterprisegroup.io+3myenterprisegroup.io+3
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Coverage: In‑patient and outpatient medical services, diagnostics, maternity, dental, optical en.wikipedia.org+5myenterprisegroup.io+5premierhealthinsurance.org+5
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Highlights: Competitive benefits with mobile app, strong corporate presence myenterprisegroup.io
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Type: Private Commercial Health Insurance Scheme nhis.gov.gh+2acaciamedcentre.com+2pacificprime.com+2en.wikipedia.org+8myenterprisegroup.io+8kaiserghana.com+8
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Target: Individuals, families, staff of businesses
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Plans: Uniplan, Premier Care, Super Care, Super Care Plus
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Coverage: In-/out-patient care, surgeries, dental, optical, pharmacy services
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Provider Network: >1,000 hospitals, clinics, pharmacies across Ghana kaiserghana.compacificprime.com+7myenterprisegroup.io+7apexhealthghana.com+7
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Extras: Mobile app for plan management
2. GAB Health Insurance
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Plan Tiers: FAMILY Standard 10–30; PREMIUM 40–100+ en.wikipedia.org+10mabhospitals.org+10ghic.com.gh+10
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Premium examples:
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STANDARD 10: GH₵3,000/year → Outpatient limit: GH₵12,000
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PREMIUM 60: GH₵7,650 → Outpatient limit: GH₵30,000
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PREMIUM 100+: GH₵15,125 → Outpatient limit: GH₵75,000
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Benefits: GP/specialist visits, lab tests, basic & advanced imaging, minor surgeries, prescription medications pacificprime.com+3mabhospitals.org+3apexhealthghana.com+3
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Type: Private family health plans atlas-mag.net+12mabhospitals.org+12ghic.com.gh+12
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Premium Tiers: Standard 10–30; Premium 40–100+ (e.g., GAB Fam Premium 100+ charges Gh₵15,125/y) mabhospitals.org
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Annual Benefits:
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Out-patient: Gh₵12,000–75,000 per family
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In-patient surgery package: Gh₵6,000–35,000
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In-patient daily room/board: Gh₵100–350/day (ward to VIP) en.wikipedia.org+4mabhospitals.org+4acaciamedcentre.com+4
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Coverage: Lab services, imaging (X-ray to CT/MRI with authorisation), meds, admission, minor & major surgery, ambulance (via Medfocus), supplies mabhospitals.org
3. Premier Care Plan (via Acacia/Enterprise Group)
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Annual Coverage:
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Inpatient: GH₵25,000
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Outpatient: GH₵5,000
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Total: GH₵30,000
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Monthly Premiums:
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Ages 0–59: GH₵81; 60–69: GH₵101; 70+: GH₵121 premierhealthinsurance.org
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Key Benefits:
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GP/specialist consultations
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Lab & diagnostic scans (X-ray, CT, MRI)
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Medicines, maternity care (up to GH₵2,200 after 12 months)
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Dental & optical subsidies (GHC100 each) metropolitan.com.ghmyenterprisegroup.io+8premierhealthinsurance.org+8myenterprisegroup.io+8
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Type: Private insurer
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Plans: Corporate, Teacher & Worker, Apomuden, Care, Comfort
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Network: Nationwide coverage including Upper West region equityhealthinsurance.com+15premierhealthinsurance.org+15en.wikipedia.org+15pacificprime.com
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Notable: Telemedicine (Premier Teledokta)—24/7 virtual consultations & medication delivery premierhealthinsurance.org
4. GHIC Health Insurance Company
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Plans: Multiple individual and family options
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Network Levels: Standard → Premium Plus Plus premierhealthinsurance.org+7ghic.com.gh+7apexhealthghana.com+7
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Coverage: Medical, dental, pharmacy, vision, and tailored employer-based benefits apexhealthghana.com+5ghic.com.gh+5mabhospitals.org+5
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Type: Private health insurance, part of a major Ghanaian insurer
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Plans: Individual and family options with multiple network tiers (Standard to Premium Plus Plus) ghic.com.gh
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Coverage: Medical, dental, prescription drugs, vision; integrated pharmacy benefit management ghic.com.gh
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Highlights: Real-time utilization reporting; online portals for brokers, providers, clients
5. Equity Health Insurance
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Offers comprehensive healthcare benefits with a wide network of accredited facilities equityhealthinsurance.com+1premierhealthinsurance.org+1
6. GLICO Family & Individual Health Plan
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Advertisement indicates a dedicated family and individual package—but details not publicly listed
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Type: Private health plan under SIC group nhis.gov.gh+6glicohealth.com+6mabhospitals.org+6
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Coverage: In-/out-patient care via accredited provider network; tailored offerings for individuals, families, employees glicohealth.com+1apexhealthghana.com+1
7. Metropolitan Health Insurance Ghana Ltd.
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Licenced private insurer offering outpatient, inpatient, maternity, dental, optical services, surgeries, diagnostics en.wikipedia.org+4metropolitan.com.gh+4pacificprime.com+4
8. Apex Health Insurance
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Accredited PCHIS provider for corporate groups
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Covers consultations, diagnostics, pharmaceuticals, surgeries, dental, optical, and maternity apexhealthghana.com
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Type: Private commercial scheme licensed by NHIA en.wikipedia.org+4apexhealthghana.com+4ensun.io+4
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Clients: Corporates, groups, individuals
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Coverage: General consultations, diagnostics, surgery, dental, optical, maternity, hospitalization services apexhealthghana.com
9. Kaiser Global Health Ltd.
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Type: Ghanaian private commercial insurer kaiserghana.com
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Products: Corporate, Family, Ayarisa (microinsurance), plus Third Party Administration (TPA)
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Coverage: Consultations, surgeries, dental, drugs, optical; network tiers (Bronze, Silver, Gold, Super Gold) kaiserghana.com
10. International/Expat Plans
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IMG, Allianz Care, Cigna, AXA, April International
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Annual coverage ranges from USD 250,000 to USD 8,000,000, worldwide pacificprime.com
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Providers like IMG, Allianz Care, Cigna Global, AXA, April International offer international health insurance for expats in Ghana, with annual coverage of $250,000–$8 million pacificprime.com
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Benefits: Worldwide inpatient/outpatient care, cancer/maternity coverage, medical evacuation, direct billing
🗂️ Comparison Table
| Company / Plan | Annual Cover (GH₵) / USD | Benefits Summary |
|---|---|---|
| Acacia | Varies (custom plans) | In-/outpatient, maternity, dental, optical |
| GAB STANDARD 10–30; PREMIUM 40+ | GH₵3,000–15,125 | Consultations, tests, imaging, meds, minor surgery |
| Premier Care | GH₵30,000 total (In GH₵25k/Out GH₵5k) | GP/Specialist, maternity, scans, medications, dental/optical |
| GHIC | Varies per tier | Medical, dental, pharmacy, vision |
| Equity, GLICO, Metro, Apex | Not publicized | Similar core benefits; corporate & family coverage |
| International Plans | USD 250k–8M | Global inpatient/outpatient, evacuation, expat-specific |
💡 Key Insights for Your Blog
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Coverage and annual limits vary widely depending on the plan tier and provider.
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Standard features across providers include outpatient/inpatient, diagnostics, maternity, dental, and optical services.
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Premium tiers often add advanced diagnostics and higher limits.
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Expat plans offer global, high-limit coverage—ideal for foreign residents.
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Premiums depend on age and plan level; digitization (apps, USSD shortcodes) enhances convenience.
Summary Table
| Company | Target Audience | Plan Types | Coverage Highlights |
|---|---|---|---|
| Acacia | Corporate & individuals | Uniplan, Super Care, Premier Care | In-/out-patient, surgery, dental, optical; app-enabled pacificprime.commyenterprisegroup.io |
| GAB | Family plans | Standard & Premium tiers | OP/IP limits up to Gh₵75k; surgery Gh₵35k; room Gh₵350/day |
| Apex | Corporates, groups, expats | Corporate, group, international | Diagnostics, maternity, surgeries; customized group plans |
| Premier | Corporates & families | Care, Comfort, Apo
You Might Also LikeDisclaimerThe content published on this blog is intended solely for educational and informational purposes and is not intended to be a substitute for professional medical advice, diagnosis, or treatment. 1120 Lorem ipsum dolor sit amet, KC 179050, Chandigarh.+01 2345 6789 12|+01 2345 6789 12 |
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