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Best Health Insurance in Ghana

6 insurers ranked and reviewed · Updated May 2026

Sources:National Health Insurance Authority (NHIA)

Healthcare System Overview

Ghana operates a dual health insurance system: the National Health Insurance Scheme (NHIS), a government-backed program covering basic healthcare for all citizens, and a growing private health insurance sector (PHIS). The NHIS covers general outpatient care, maternity, basic surgeries, and emergencies. Private insurers supplement NHIS with broader coverage, shorter wait times, and access to private hospitals.

Nationwide Medical Insurance

private65K members

90Score

NHIA: Market Leader (30%+ share)(2026)

★★★☆☆3.8satisfaction

Market Share

30%+

Corporate Clients

400+

Registered Members

65,000

Market leader with 30%+ market share in private health insurance
Serves 400+ corporate clients
65,000 registered members
NHIA licensed and compliant

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Acacia Health Insurance (Enterprise Health)

Acacia Health Insurance

private100K members

88Score

Preferred Private Health Insurer(2026)

★★★☆☆3.8satisfaction

Provider Network

500+ facilities across all 16 regions

Parent Company

Enterprise Group PLC (est. 1924)

Claims Speed

Excellent turnaround

Services in 500+ hospitals, clinics, and laboratories across all 16 regions
Excellent claims turnaround speed
Access to top-tier private hospitals in Ghana
Subsidiary of established Enterprise Group PLC

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GLICO Healthcare

private60K members

82Score

First Private Health Insurer in Ghana(2026)

★★★☆☆3.6satisfaction

Provider Network

600+ hospitals

Parent Company

GLICO Group Ltd (est. 1989)

Distinction

First private health insurer post-NHI Act 2003

First private health insurance company in Ghana (post-NHI Act 2003)
Accepted in 600+ hospitals across Ghana
Family-friendly health insurance plans
Part of established GLICO Group

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Metropolitan Health Insurance

private30K members

75Score

Momentum Metropolitan Backed(2026)

★★★☆☆3.7satisfaction

Parent Company

Momentum Metropolitan (South Africa)

Founded

2006 (as Momentum Health Ghana, rebranded 2013)

Backing

International financial strength

Backed by South Africa's Momentum Metropolitan group
International insurance expertise applied to Ghana
Comprehensive health plan options
Strong financial backing from parent company

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Premier Health Insurance

private15K members

65Score

NHIA Accredited(2026)

★★★☆☆3.5satisfaction

License

NHIA accredited

Founded

2011

Focus

Individual & corporate plans

NHIA accredited health insurer
Individual and corporate health plan options
Growing provider network across Ghana
Competitive pricing for local market

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Equity Health Insurance

private10K members

60Score

NHIA Licensed(2026)

★★★☆☆3.3satisfaction

License

NHIA licensed

Focus

Accessibility & affordability

Tools

Online comparison tools

NHIA licensed health insurer
Focus on accessible and affordable health coverage
Strong online presence with comparison tools
Individual and group plan options

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About Health Insurance in Ghana

Our editorial team has evaluated and ranked the top 6 health insurers in Ghana based on editorial ratings from trusted sources, customer satisfaction, financial strength, and coverage quality. Rankings are updated regularly to reflect the latest market changes.

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