Top Health Insurance Companies in Ghana List 2023 Updated

Health Insurance Companies in GhanaHealth Insurance Companies in Ghana

Health Insurance Companies in Ghana

  • Premier Health Insurance

About Us:Premier Health Insurance is an accredited Private Commercial Health Insurance Scheme under National Health Insurance Act 2012 (852), of the Republic of Ghana and is licensed by National Health Insurance Authority (NHIA).

We meet all the regulatory and prudential requirements in the country. The company which initially operated as a Private Mutual Health Insurance Scheme changed to a Private Commercial entity to meet regulatory requirements. We are a leading health insurance company with over 50,000 clients across the country.

As a health insurance company, Premier Health’s operation is geared towards the benefit of its cherished members.

The Company offers a comprehensive range of products whose benefit encompass surgeries, specialist and general consultations, generic and proprietary drugs, dental and optical care, diagnostic scans and laboratory investigations among other services.

Our strong conviction of affordable and quality healthcare for all positions us to stand as your bridge to the access of premier healthcare in Ghana. The Company offers different products to suit the needs of all employer groups and other groupings in the country. We stand to ensure that the best of healthcare is made available to all insured members.

We provide health insurance coverage for Staff and dependents of Corporate Institutions, Workers on Government Payroll, identifiable groups in Ghana and individuals. These products are specially designed for both the working class and the informal class in society.

It affords employers the opportunity to provide a comprehensive health insurance coverage for employees and their dependents, hence keeping them safe and sound for good productivity.

Services:Dental Services, Optical Services, Pharmacy Services, Consultation & In-Patient Surgeries, Laboratory/Pathological Services, Diagonostic Services                                                                                                                                       

Address: 48 Cocoa Street, Teshie – Nungua Estate, Accra, Ghana

Phone No.: 0302 721 727


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  • Cosmopolitan Health Insurance

About Us:Cosmopolitan Mutual Health Insurance was established to support the government’s vision of providing affordable, accessible and quality healthcare to the general public. CMHI is licensed by the National Health Insurance Act 650 (2003); and as per the regulations of the act is authorized to undertake the following activities: To provide, administer and manage private mutual health insurance schemes for corporate institutions and private individuals To provide Third Party Administration (TPA) and management of healthcare schemes for corporate institutions and private individuals

To provide healthcare Top-Up services to corporate institutions and private individuals and to  provide healthcare cover for dependants of residents and non-resident Ghanaians

The company envisions becoming the preferred choice in the provision of innovative and quality health insurance to both individuals and corporate institutions. CMHI operates with a rich team of professionals in health insurance management, a dedicated staff, and a network of competent service providers in serving its prestigious scheme members. At CMHI, we keep our members healthy all the time by focusing on prevention and wellness with periodic education of our members.

Services/Products: COSMO Care, 3RD Party Administration, Premium Based Services,

Address:Garden Rd, Accra, Ghana

Phone No.:+233 30 254 3738


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  • Phoenix Insurance Company Ltd.

About Us:Phoenix Insurance is a private limited liability insurance company incorporated in Ghana in 1995, under the Company’s Code of 1963 (Act 179).

Phoenix Insurance has a combination of both local and foreign shareholders, with CD Investment Limited, a Ghanaian consortium of investors, having a majority stake.

Phoenix Insurance is an experienced insurer, operating a financially strong and stable general insurance business. The company has sound reinsurance arrangements, and leverages its local and international reinsurance programmes to underwrite all types of general insurances, at all levels – from small business to very big business.

Phoenix Insurance has a strong and loyal customer base, served by strategically and conveniently located branches, strewn all over Ghana. The company has carved an enviable reputation for itself as an exceptional provider of peace of mind for its growing clientele, through the delivery of reliable, relevant and innovative general insurance services, with an unbeatable claims payment record.

The company serves an impressive crop of individual, small business and corporate clients, most of whom have chosen and stayed with Phoenix Insurance since the company’s incorporation.

Phoenix Insurance is currently counted among the top flight of Ghana’s major league of insurance companies. More than ever, the company is well poised to lead from the front, and be the ultimate insurer of choice, through the provision of appealing, relevant and innovative products and services.

We understand what customers are seeking in their insurance company: a trusted, responsible and professional organization, where customers are treated with care and respect, and offered limitless choice and flexibility. Offering value for money, personalized service, and a demonstrated commitment to prompt payment of claims explains why we are the insurer of choice for our numerous customers. Phoenix Insurance underwrites products, including engineering insurance, bonds, motor insurance, fire, accidents, marine and other tailor-made products. We deliver to customers and clients through an exciting, personalized and delightful service culture.

Services/Products: Accident Policies, Motor Policies, Contractors Bonds, Underwriting Support, Fire Policies, Marine Cargo Policies, Ceps Bonds

Address: 244/3 6th Ringway Estates, Accra, Ghana

Phone No.:+233 30 224 6319


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  • Nationwide Medical Insurance

About Us:Nationwide Medical Insurance is a Private Commercial Health Insurance Company duly registered under laws of Ghana and licensed by National Health Insurance Authority [NHIA] to provide health insurance plans to corporate entities, groups, associations and individuals.

Nationwide is a wholly indigenous company and the leader in the private health insurance sector of Ghana. We are a four-time winner of the Private Health Insurance Company of the year (2017-2020), with over 10 major awards to our name.

Since 2005, we have provided healthcare financing solutions (Corporate Health Insurance, Micro Health Insurance, International Health Insurance, Third Party Administration and International Medical Evacuation) to over 400 corporate clients and individuals across industries in Ghana.

Our corporate clients cut across industries such as; Communication, Finance, Energy, Foreign Missions, Education, MDAs/ Associations and more.

With approximately 70,000 registered members, over 600 accredited medical centres and over 200 medical conditions covered, we have proven ourselves over the years as the preferred private health insurance company in Ghana, being the market leader with over 30% of the market share.

Services: MyHealth Insurance, Corporate Health Insurance, Third Party Administration, International Health Insurance

Address: No. 21 Independence Ave, Accra, Ghana

Phone No.:+233 30 222 6892

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  • Vanguard Assurance Company Limited

About Us:Vanguard Assurance Company Limited began operations in October 1974 as a composite insurance company

and has the enviable record of being the first private indigenous insurance company in Ghana.At inception, Vanguard offered only two classes of business – Life and Fire. Over the years, the company diversified its product portfolio into one-stop composite insurance company underwriting all the major classes of Life and Non-Life insurance.

Vanguard Assurance not only stands tall because of its passion for excellence in service delivery but also for prompt claims settlement.

Over the years, our consistent ability to honour genuine claims has endeared Vanguard Assurance as a household name. In 2015 alone, Vanguard Assurance paid customers claims amounting to over Forty Million Ghana cedis (GHC 40,000,000).

Our claims payment ability coupled with excellent customer service has led us to win several laurels from reputable industry players including the Chartered Institute of Marketing Ghana, The Ghana Club 100 and the Insurance Brokers Association of Ghana.

Services/Products: Motor, Marine, Aviation, Fire, Bond, Engineering, General Accident, Workmen Compensation, Vanguard CICL Foreign Travel Policy, Vanguard Safe Transport, Vanguard Special Group Taxi Scheme, Vanguard 48hr Motor Insurance Service, Vanguard Honourable’s Protection Policy, Vanguard Hospital Insurance, Vanguard Ladies Kitchen Insurance.

Address:Vanguard Assurance Company Limited, 25 Independence Ave, Accra, Ghana

Phone No.:+27 11 254 1694

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  • Hollard Insurance Ghana Limited

About Us: Hollard Ghana combines its deep local knowledge of the market with the world-class expertise of an international insurance brand. With our headquarters in South Africa but our feet firmly planted on Ghanian soil, we’re able to deliver innovative insurance solutions that are customised to the unique risks you face.

Starting out in Ghana as Madison Insurance in 1993, we were recapitalised and renamed Metropolitan Insurance Company Limited (MET) in 1997.  In 2006, we took the decision to move our focus away from life insurance to other personal and commercial insurance products. In 2015, the Hollard Group acquired a majority shareholding in the company. Today, we have offices in Tema, Kumasi, Takoradi, and Tamale.

Our network of 24 Hollard2U customer service centres are run by our Relationship Managers, and we have 40 fulltime sales executives working across Ghana. We’re a member of the Ghana Insurers Association (GIA), West Africa Insurance Companies Association (WAICA), and the African Insurance Organization (AIO).

Services/Products: Personal Accident, Home Insurance, Travel Insurance, Motor Insurance, Fire Insurance, Burglary Insurance, Executive Motor Insurance

Address:Airport Residential Area, 11 Patrice Lumumba St, Accra, Ghana

Phone No.:+233 30 222 0966

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  • Enterprise Insurance Company Limited – Airport Branch

About Us:Enterprise Insurance Company Limited is the oldest insurance company in Ghana having been in operation since 1924. It takes its roots from the Royal Exchange Assurance Corporation of the United Kingdom, which commenced business in the Gold Coast in 1924, then became Guardian Royal Exchange Assurance Ghana Limited, (GREG) and subsequently, Enterprise Insurance Company Limited. Enterprise Insurance is a leading Insurer in Fire, Marine, Motor and General Accident.. Enterprise Insurance’s first offices were located at the current offices of the Institute of Chartered Accountants on what was then Horse Road (and now Asafoatse Nettey Road). In 1952, after 28 years as an agency, the Royal Exchange Assurance was registered as an insurance company in the Gold Coast to provide the full complement of life and non-life insurance business. .

In 1965, the Insurance Act of 1965 (Act 288) was enacted. Section 9 of the Act barred all non-domestic insurance companies from insuring Ghanaian lives.

The Royal Exchange Assurance consequently transferred its life business to the Crusader Insurance Company (Ghana) Limited, thus becoming a purely non-life insurance company for the first time.

In 1969, there was a merger between the Royal Exchange Assurance Corporation and Guardian Assurance Company (GAC) in the UK to form the Guardian Royal Exchange Assurance Group (GRE). Consequently, a new company, the

Guardian Royal Exchange Assurance (Ghana) Limited (GREG) was incorporated in Ghana in 1971, and owned wholly by the new UK parent company to continue with the insurance business of the former REA and GAC. In 1977, the company’s name was changed to Enterprise Insurance Company and in 1990 it become one of the first companies to be listed on the Ghana Stock Exchange.

The company continued to grow in leaps and bounds and in 2000, Enterprise Life was established, born out of a partnership between Enterprise Insurance and Africa Life of South Africa.

In August 2010, the Board and Management of Enterprise Insurance Company (EIC) on August 12, 2010, were given the mandate by their shareholders to re-organise Enterprise Insurance Co Ltd and the relationship between the company and its subsidiaries.

The reorganization involved the creation of a holding company Enterprise Group Ltd (EGL) to own EIC and its subsidiaries.

In the course of its operations, the company has  moved a number of times: GREG moved from Horse Road to the Bank of Ghana’s premises on Thorpe Road; then to Alagbon House opposite the Makola Fire Service Station.

From there the company moved to the A.G. Leventis building which later became GNTC’s Ghana House and finally to its current offices in  Consortium House, on the High Street in 1973 which was later renamed Enterprise House as Enterprise Insurance acquired full ownership of Consortium House Limited.

Products:Personal/Group Accident Policy, Assets All Risk Policy, Employers Liability Policy, Erection All Risk Policy, Fidelity Guarantee Policy, Burglary (Business Premises) Policy, Cash-in-Safe Policy, Marine Insurance Policy, Consequential Loss or Business Interruption, Enterprise Home Insurance, Motor Insurance Policy, Contractors-All-Risk Policy, Customs Bonds Policy, Fire Insurance Policy, Goods-In-Transit Policy.

Address:47 Patrice Lumumba St, Accra, Ghana

Phone No.:+233 59 307 1638

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  • Starlife Assurance

About Us:StarLife Assurance Company Limited is a leading Life Assurance Company offering a wide range of  need -based  life  assurance products designed to meet the financial security needs of the insuring public. Incorporated as a limited liability company in compliance with the new Insurance Law 2006, Act 724 in October 2005, thus making it the first Life Assurance company to be separated as a composite Company. StarLife Assurance has over the years delivered value added services to its valued clients making it one of the preferred Life  Assurance companies in Ghana. It is no doubt that we are part of the top three life assurances companies in Ghana. To be the pacesetters in creating wealth and a fulfilling life through personal relationships with our partners. 

To help people identify the most secured wealth creation opportunities and provide them with unique financial security solutions.

Services/Products: StarLife Employee Security Plan (Group Life), StarLife Keyman Plan, StarLife Loan Protection Plan, StarLife Mortgage Protection Plan, Child Lifeline Plus, CashBuilder Plus, Ultimate Protection Plus, Esteem Homecall Plan, Family Protection Plan, Wealthmaster Plus, Bancassurance, Brand Assurance, Group Welfare Scheme, StarLife Diaspora Insurance, Personal Pension Plan

Address:Mankata Ave, Accra, Ghana

Phone No.:+233 30 273 9600


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  • Prime Insurance Company Limited

About Us:Prime was conceived by the Assemblies of God Professionals Network (AGPN) in 2004 to promote the habits of savings and investment among members of Assemblies of God, Ghana (AG). In 2006 nearly thirteen thousand persons, including some local ASSEMBLIES OF GOD Churches, subscribed to the shares of PRIME. With this large number, PRIME became a public company under the Company’s Code of Ghana. In order to manage the share bought by members of ASSEMBLIES OF GOD, the Executive Presbytery of ASSEMBLIES OF GOD appointed ASSEMBLIES OF GOD PROFESSIONAL NET WORK as the trustees of all shareholdings with the exception of a few large shareholders and the shares owned by the General Council of ASSEMBLIES OF GOD. The Company obtained its operating license from the National Insurance Commission (NIC) in December 2006 and commenced operations in January 2007.Prime Insurance Company was formed on the core values of Trust and Integrity. Since receiving our license to provide insurance services in Ghana, the company has continued to offer services that are consistent with our original mandate – to protect the interests of our clients through prompt service, fair policies, and the flexibility to meet your most demanding insurance needs. Our business remains committed to your success.

Services/Products: Fire Insurance, Money Insurance, Travel Insurance, Home Owners Insurance, Marine Insurance, Machinery Breakdown Insurance, Personal Accident Insurance, Goods in Transit Insurance


Phone No.:+233 30 223 4078

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Tajinder Singh: