Your rights as a policyholder in Ghana

Your rights, as the NIC lists them

• Receive a copy of your policy document in a language you understand before or at the time of purchase.
• Be given a clear explanation of what is covered, what is excluded, and what your obligations are.
• Receive a written explanation if your claim is rejected or partially settled, including the specific policy clause relied upon.
• Lodge a complaint with your insurer or the NIC if you are dissatisfied with how a matter has been handled.
• Protection of your personal data in line with applicable data protection laws.

Quoted from the NIC's consumer education page.

Your side of the contract

• Disclose everything material: insurance rests on utmost good faith, and hiding a pre-existing condition or past claims can void the policy.
• Report losses promptly and document them (photos, receipts, medical reports, police report).
• Fill in claim forms truthfully: false information is grounds for rejection and may be fraud.
• Keep the policy, premium receipts and endorsements.

Same NIC page. Compulsory insurance contracts that cover your liability to others may not exclude or limit the insurer's liability because of something done after the event that gives rise to the claim (Insurance Act, 2021, section 220(2), text).

Sources

1. NIC — Consumer education: your rights, before you buy, making a claim, resolving disputes
2. Insurance Act, 2021 (Act 1061) — National Insurance Commission copy (Gazette notification 5 January 2021)