Insurance blog Ghana: every guide in one place

Health & life · GhanaNHIS renewal: renew by phone with *929# or the MyNHIS appDial *929#, option 2, NHIS Card, your 8-digit membership number, then pay by mobile money. Renew within three months of expiry.3 min read · Updated 31 October 2026

Health & life · GhanaNHIS Ghana: how to register, get your card and what it coversEvery resident must belong. Register at a district office or on the MyNHIS app; pregnant women, children, over-70s and SSNIT contributors pay no contribution.4 min read · Updated 31 October 2026

Health & life · GhanaThe National Health Insurance Authority (NHIA): what it does and how to reach itNHIA runs the NHIS and also licenses the private health insurance schemes. Call centre 054 444 6447 or 030 274 6447.2 min read · Updated 31 October 2026

Insurers & your rights · GhanaInsurance companies in Ghana: the NIC list (2026)The NIC register: 14 life insurers, 25 non-life insurers, 3 reinsurers, 125 brokers.2 min read · Updated 31 October 2026

Insurers & your rights · GhanaThe National Insurance Commission (NIC): Ghana's insurance regulatorThe NIC licenses and supervises insurers and intermediaries, mediates complaints and runs the statutory funds. +233 302 238300.2 min read · Updated 31 October 2026

Health & life · GhanaHealth insurance in Ghana: NHIS and the licensed private schemesNHIS first, by law. Private cover on top, only from one of the schemes NHIA licenses: 16 at the end of 2024, with 464,849 members.3 min read · Updated 31 October 2026

Motor & vehicles · GhanaCar insurance in Ghana: what the law requires and how to buy itAt least third-party cover for every vehicle on a public road; a valid Ghana Card to buy or renew; check the sticker before you board.3 min read · Updated 31 October 2026

Motor & vehicles · GhanaHow to check a car's insurance in Ghana: *920*57#, the sticker and the NICSend the vehicle registration number to *920*57#, then check the insurer and agent on the NIC register.2 min read · Updated 31 October 2026

Insurers & your rights · GhanaHow to complain about an insurer in Ghana: the NIC Complaints HubInsurer first, in writing; then the NIC Complaints Hub (niccomplaintshub.com). The NIC mediates; 626 complaints in 2024.2 min read · Updated 31 October 2026

Home, business & travel · GhanaWorkmen's compensation in Ghana: what the employer owes after a work injury60 months' earnings on death, 96 months' on permanent total incapacity, a percentage for partial incapacity — plus medical expenses.4 min read · Updated 31 October 2026

Motor & vehicles · GhanaThird-party vs comprehensive car insurance in GhanaThird-party pays others; comprehensive also pays for your own car. The law only requires third-party.2 min read · Updated 31 October 2026

Health & life · GhanaLife insurance in Ghana: types of policy, your rights and the 14 life insurersTerm and funeral policies pay only on death; endowment, whole life and unit-linked add savings. 14 life insurers are licensed.3 min read · Updated 31 October 2026

Health & life · GhanaFuneral cover in Ghana: how funeral policies work and how to get paidA funeral policy is term life cover from a licensed life insurer. Delayed funeral claims are a common complaint to the NIC.2 min read · Updated 31 October 2026

Home, business & travel · GhanaHome and building insurance in Ghana: household cover and the compulsory commercial building insuranceA family home is insured by choice; offices, shopping malls, factories and hospitals must be insured by law.2 min read · Updated 31 October 2026

Home, business & travel · GhanaBusiness insurance in Ghana: the covers the law requiresPublic liability, professional indemnity, commercial building and marine cargo insurance are compulsory for the businesses the Act lists.2 min read · Updated 31 October 2026

Home, business & travel · GhanaTravel insurance from Ghana: Schengen visa cover and what policies includeA Schengen visa needs travel medical insurance of at least €30,000; buy it from an NIC-licensed insurer.2 min read · Updated 31 October 2026

Insurers & your rights · GhanaComplaints against insurers in Ghana, company by company (NIC 2024)626 complaints in 2024. Impact Life (125), SIC Life (85) and StarLife (55) received the most; among non-life insurers, Star Assurance (16) and Prime (15).5 min read · Updated 31 October 2026

Insurers & your rights · GhanaYour rights as a policyholder in GhanaA policy you understand, a written reason if your claim is cut or refused, and the right to complain to the NIC.2 min read · Updated 31 October 2026

Insurers & your rights · GhanaCheck an insurer, agent or broker in Ghana before you payUse the NIC's "Verify a licensed entity" register before you pay; health schemes are checked with NHIA.2 min read · Updated 31 October 2026

Home, business & travel · GhanaWorkmen's compensation calculator (Ghana)Death: 60 months' earnings. Permanent total incapacity: 96 months'. Partial: the schedule percentage of 96 months'.2 min read · Updated 31 October 2026