--- title: "BIMA Ghana Launches B-Health & B-Life Insurance - 24/7 Healthcare from GHc 18/Month" description: "BIMA Ghana launches B-Health and B-Life insurance policies, offering 24/7 telemedicine, hospital coverage, disability insurance, and cashback rewards from GHc 18/month. Revolutionary insurance for Ghana's informal sector." keywords: "B-Health insurance Ghana, B-Life insurance Ghana, telemedicine Ghana, mobile health insurance, affordable insurance Ghana, 24/7 doctor Ghana, hospital insurance Ghana, life insurance Ghana, mobile money insurance, informal sector insurance" url: "https://bima.com.gh/blog/bima-ghana-launches-b-health-b-life-insurance-products" language: "en" --- ![BIMA Ghana Disrupts Insurance Industry with B-Health and B-Life Products Launch](https://rxchusm4ka.koniglecdn.com/images/hero.webp) BIMA Ghana Disrupts Insurance Industry with B-Health and B-Life Products Launch BIMA Ghana unveils innovative B-Health and B-Life insurance policies featuring 24/7 telemedicine, hospital coverage, disability benefits, and cashback rewards, revolutionizing affordable healthcare access in Ghana. BIMA Ghana Team Bringing healthcare & insurance to every Ghanaian family May 5, 2026 BIMA Ghana officially launched its revolutionary B-Health and B-Life insurance policies at the company's Alajo headquarters, introducing innovative insurance products designed specifically for Ghana's informal sector. The launch represents a major milestone in making comprehensive healthcare and life insurance accessible and affordable for every Ghanaian family through mobile technology. Revolutionary Insurance Products for Ghana's Informal Sector Since pioneering mobile-delivered insurance in Ghana in 2010, BIMA has continuously innovated to meet the evolving needs of Ghanaian families. The new B-Health and B-Life policies address critical gaps in Ghana's insurance market, offering comprehensive coverage beyond traditional hospitalization and funeral benefits. > We have been serving the informal sector for the past 10 years. During this time, we realized that our customers' needs go far beyond providing support with hospitalization and funeral costs. Our customers want easy access to doctors and assistance with casual health expenses from their insurance company. They also want cash-backs when they do not make claims. — Damien Gueroult, Country Manager, BIMA Ghana B-Health: Comprehensive Healthcare Insurance for Ghanaians The B-Health policy represents Ghana's first truly comprehensive mobile healthcare insurance product, offering features previously unavailable to the informal sector: * **24/7 Telemedicine Access:** Unlimited phone consultations with qualified medical practitioners * **Medicine Cash Support:** Financial assistance for purchasing prescribed medications * **Hospital Cash Benefit:** Up to GHc 27,735 payout for hospital admissions * **E-Prescriptions via SMS:** Digital prescriptions sent directly to patients' phones * **Health Coaching Programs:** Personalized wellness guidance for chronic conditions * **Laboratory & Hospital Discounts:** Access to network of 60+ partnered facilities across Ghana Dr. Sunu, BIMA's Chief Medical Officer, leads a team of qualified medical practitioners providing accessible healthcare to Ghana's informal sector workers. This innovative service eliminates time spent commuting and waiting at clinics, allowing Ghanaians to access quality medical help without losing daily earnings. B-Life: Life Insurance with Disability Coverage and Cashback The B-Life policy provides comprehensive financial protection for Ghanaian families, addressing funeral expenses and permanent disability challenges: * **Life Cover:** Lump sum payment up to GHc 7,476 for death benefits * **Permanent Disability Insurance:** Financial support for total/partial disability * **Yearly Cashback Rewards:** Annual cash rewards for customers who make no claims * **Family Protection:** Coverage for multiple family members under one policy The innovative cashback feature encourages Ghanaians to maintain continuous insurance coverage while rewarding healthy living, a first in Ghana's insurance industry. Affordable Insurance: GHc 18-37 Per Month Both B-Health and B-Life policies are underwritten by Allianz Life Ghana, with premiums starting from just GHc 18 per month. Payments can be made conveniently through AirtelTigo Money and MTN Mobile Money wallets, making insurance accessible to Ghana's unbanked population. > The recent surge in mobile money penetration and usage is a true enabler for BIMA. Not only is it a convenient mode of payment for our customers, but it also enables us to refund customers, pay claims and send cash support in a quick, secure and paperless manner. — Michael Acolatse, Head of Mobile Money, BIMA Ghana Industry Recognition and Regulatory Support The launch received strong endorsement from Ghana's insurance regulators and industry leaders: > We are proud to partner with BIMA to bring these two innovative products to the market. For a long time, telemedicine was only accessible to wealthy customers in developed countries. Through products like B-Health, Ghanaians will be able to truly leapfrog their access to healthcare for as little as GHc 18. — Gideon Ataraire, CEO, Allianz Insurance Ghana > Mobile-delivered insurance has played a key role in raising the insurance coverage in the country. I am glad to see companies like BIMA thinking out-of-the-box and continuing to bring innovations to the insurance sector that help strengthen financial inclusion in Ghana. — Kofi Andoh, Deputy Commissioner, National Insurance Commission How to Get BIMA Insurance in Ghana Ghanaians can register for B-Health or B-Life insurance in just 2 minutes: 1. Dial \*714\*99\# on MTN or Telecel 2. Dial \*110\*4\*3\# on AT Insurance 3. Call toll-free 0800 100 200 for assistance 4. Visit any BIMA Customer Experience Center 5. Register online at bima.com.gh [Register for Affordable Insurance Now](/) * * * _Published: September 2020 | Category: Product Launch & Innovation | Tags: B-Health insurance, B-Life insurance, mobile healthcare Ghana, telemedicine Ghana, affordable insurance_