Complain about an insurer in Ghana — NIC Hub

Short answerChecked 31 October 2026

In Ghana, complain to the insurer or intermediary first, in writing. If it is not resolved, file with the National Insurance Commission on its online Complaints Hub, niccomplaintshub.com, or contact the NIC on +233 302 238300 / 1 or info@nic.gov.gh. The NIC mediates complaints about any licensed insurer, broker or agent (Insurance Act, 2021, section 207). In 2024 it received 626 complaints (505 against life insurers, 121 against non-life insurers) and resolved 524 within the year. Private health insurance schemes are handled by NHIA, not the NIC.

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Answers come from the law, the regulator and the insurers' own documents, with the source under each answer. General information, not advice.

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On this page · 5 sections

Step by step
What the NIC can do
Complaints to the NIC in 2024
FAQ
Sources

Step by step

Write to the insurer's customer service or complaints department, describing the problem and the resolution you want (NIC consumer education).
Have your policy or claim number, the key dates, and your documents and correspondence ready (NIC, File a complaint).
If it is not resolved within a reasonable time, or you disagree with the answer, file on the NIC Complaints Hub. You can follow the status of your complaint there.
The Commission reviews the complaint and may contact you for more information or documents.

Cannot use the portal? NIC head office: Appiah Ampofo House, Independence Avenue, Accra; +233 302 238300 / 1; info@nic.gov.gh (NIC).

What the NIC can do

A customer may complain to the Commission for mediation when the complaint relates to a licensable activity of a licensee (section 207 of the Insurance Act). The NIC says it investigates complaints against licensed entities, mediates disputes and can take regulatory action when an insurer breaches the Act or its directives (NIC consumer education). Going to the NIC does not stop you from going to court (section 208).

If an insurer fails, the Client Rescue Fund is a protection of last resort for valid claims, subject to caps and conditions (NIC, Client Rescue Fund).

Complaints to the NIC in 2024

Industry	Complaints received in 2024	Resolved in 2024	Pending at end of 2024
Non-life insurers	121	98	23
Life insurers	505	426	79
Total	626	524	102

Table 6 of the NIC Annual Report 2024. The NIC's resolution rate rose from 81% in 2023 to 84% in 2024, and its online Complaints Management System opened on 27 February 2024 (same report). By company: complaints by insurer.

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Frequently asked questions

Where do I report an insurance company in Ghana?

To the National Insurance Commission, after complaining to the company: online on niccomplaintshub.com, or +233 302 238300 / 1, info@nic.gov.gh.

Can the NIC force an insurer to pay?

The NIC mediates the complaint and can take regulatory action when an insurer breaches the Insurance Act or its directives. Using the NIC procedure does not stop you from going to court (section 208).

Who handles complaints about private health insurance?

The National Health Insurance Authority, which licenses private health insurance schemes and provides a complaints bureau.