--- title: "Cancel BIMA Insurance Ghana | How to Deactivate BIMA | BIMA Ghana" description: "Looking to cancel or deactivate your BIMA insurance in Ghana? Understand how BIMA deductions work, what benefits you'd lose, and speak to a BIMA associate before you decide. MTN, AirtelTigo, Telecel." keywords: "cancel bima insurance, how to cancel bima insurance ghana, bima insurance deactivation, how to deactivate bima insurance, bima insurance short code, bima insurance contact number, bima insurance whatsapp number, bima ghana, bima to customer" url: "https://bima.com.gh/cancel-bima-insurance" language: "en" --- BIMA Ghana · Customer Support Thinking of Cancelling Your BIMA Insurance? We understand life has its pressures, and sometimes things don't feel clear. Before you go, let us take a moment — not to convince you, but to make sure you have the full picture. Whether it's a question about a deduction, something that didn't feel right, or simply wanting to understand what you're covered for — a BIMA associate will call you back. No pressure. Just a conversation. Talk to Us First I still want to cancel ![A Ghanaian mother holds her child's hand in a hospital room — BIMA protects your family when it matters most](https://rxchusm4ka.koniglecdn.com/images/ghanaian-family-hospital-hope.webp) Your family is protected BIMA covers you when it matters most Understand Insurance First Before you decide — read this Most people who cancel do so because of a misunderstanding. These four questions are the ones we hear most. Tap to open each one. What is insurance, really? A simple explanation using a village example Think of it like a village savings pot 👨GHC 18 👩GHC 18 👴GHC 18 👧GHC 18 👨GHC 18 👩GHC 18 👴GHC 18 👧GHC 18 👨+92 more GHC 1,800 in the shared pot Ready for anyone who needs it this month 2 people got sick this month The pot covered their bills. They didn't have to find money from nowhere. 98 people stayed healthy They "didn't use" BIMA — but they were protected all month. They are the lucky ones. **In simple terms:** Every month, a small amount leaves your MoMo — and in return, you and your family are protected for that entire month. You don't see the money go to work unless something bad happens. But when it does, it's already there for you. **That is exactly what insurance is.** I haven't used it — so why am I still paying? Not using it is actually a good sign 🚗 Like a spare tyre You carry it in your car every day. You don't say "I wasted money on that tyre — I never had a puncture." No puncture = the spare tyre worked. 🛡️ Like BIMA You pay every month. Not getting sick this month doesn't mean the money was wasted. Staying healthy = BIMA did its job. Here's a real year for a typical family: ✓ Jan — healthy ✓ Feb — healthy ✓ Mar — healthy ✓ Apr — healthy ⚠ May — child sick 🛡 BIMA covered it ✓ Jun — healthy ✓ Jul — healthy 💡 **6 months "not used." 1 month it saved the family.** That 1 month is why the other 6 months were worth every cedi. And you can't know which month will be the one you need it. Is GHC 18 really worth it? Compare to one clinic visit Real healthcare costs in Ghana What healthcare actually costs in Ghana without BIMA Private clinic visit GHC 150–400 Consultation only — before medicine Malaria treatment \(full\) GHC 300–800 Consultation + tests + medicine Trotro to clinic + waiting Half a day lost Lost work, transport, queue time BIMA B-Care — full month GHC 18 Doctor + medicine delivery + hospital cash How far does GHC 18/month go? 1 private clinic visitGHC 150–400 One time BIMA × 12 monthsGHC 216/year Full year of protection Malaria treatmentGHC 300–800 One illness 💡 **One malaria episode pays for 1–3 years of BIMA.** The question is not whether you can afford BIMA — it's whether you can afford to go without it. Why does BIMA deduct automatically without asking? Automatic is not a trick — it's protection ❌ Without automatic deduction You forget to renew in October. November your child falls sick. You try to subscribe. You are told you are not covered. You pay GHC 300+ out of pocket for a clinic visit — more than 16 months of BIMA. ✅ With automatic deduction BIMA deducts automatically every month. No action needed from you. Your family is always protected — even on the months you forget to think about it. 1 You get an SMS every single timeEvery deduction sends you an SMS with your BIMA ID and amount. You are never charged in secret. 2 Coverage starts the very next dayDial \*550\# the day after payment and a doctor answers. Day or night, no extra cost. 3 Less than your weekly airtimeGHC 18/month is less than what most people spend on airtime and data in a week — and it covers your whole family. 4 You can cancel or downgrade any timeBIMA is not locked in. If your situation changes, you can downgrade or stop. But today, your family is covered. 💡 **If a deduction still feels wrong** — don't cancel first. A BIMA associate can investigate and resolve it. Talk to us first → Understanding Insurance What Is Insurance? A Simple Explanation If the idea of insurance ever felt confusing, you're not alone. Here is how it really works — in plain language. 🏘️ Think of it like a community savings pool You pay a small amount each month e.g. GHC 18–46 → ↓ It goes into a shared pool with thousands of others Together, you're all stronger → ↓ When someone gets sick or has an emergency The pool covers them → ↓ That person gets help without paying a huge bill Doctor, medicine, hospital cash 🙋 You might not need it this month But your contribution protects your family — and when your time comes, they protect you. ⚡ You cannot buy it when you need it Insurance must be in place before an emergency. You cannot subscribe after your child is already sick and expect it to pay. 🔄 Monthly payment = monthly protection Like electricity or airtime — you pay for the service each month, and the protection is there all month long. **In simple terms:** Every month, a small amount leaves your MoMo — and in return, you and your family are protected for that entire month. You don't see the money go to work unless something bad happens. But when it does, it's already there for you. **That is exactly what insurance is.** Why BIMA Deducts Automatically — And Why That Protects You The automatic deduction isn't a mistake. It's the most important feature BIMA has — and here's why it was designed that way. Imagine this situation — it happens to real families every month: If you cancel BIMA today Next month, your child wakes up at 2am with a high fever. You reach for your phone to call a doctor — but your BIMA is no longer active. You wait until morning. You take a trotro to the clinic. You wait in a queue for hours. The consultation costs money you didn't budget for. The medication costs more. That one night costs you far more than the GHC 18–46 you were trying to save. With BIMA still active The same night. Your child has a fever. You dial **\*550\#** and a qualified doctor answers. You describe the symptoms. You get advice immediately. The doctor prescribes medication. It is delivered to your door. Your child is better. You never left home. That small monthly deduction quietly protected your family when it mattered most. How BIMA Deductions Work — The Full Picture 1 Automatic — So You're Always Covered BIMA deducts automatically on the same date each month — so you never accidentally miss a payment and find yourself unprotected when you need care. No action needed from you. 2 SMS Confirmation Every Time Every time BIMA deducts, you receive an SMS with your BIMA ID and the amount. This is your proof of active coverage. Check your message history — it's there. 3 Coverage Starts Immediately The moment your premium is paid, your family is covered for the full month. Doctor calls, medicine delivery, hospital cash — all available, no extra steps. 📅 When exactly can you use each benefit? Some benefits are available almost immediately. Others apply throughout each monthly cycle. Here's a clear breakdown. FROM Next Day after payment 📞 Doctor consultations \(Telemedicine\) Available from the next day after payment. Call a qualified doctor by dialling **\*550\#** — day or night, any day of the week. For you, your child, or any registered family member. ✅ Available from next day Other benefits — active throughout each month you're subscribed 💊 Medicine delivery After a teleconsultation with your BIMA doctor, your prescribed medicines are delivered to your door. 📅 Each Active Month 🏥 Hospital cash If you are admitted to hospital, BIMA pays you daily cash for each day admitted — for each active month. 📅 Each active month ❤️ Life cover In the event of accidental death, your family receives a lump sum. This protection is active as long as your monthly payment is maintained. 📅 Each active month 💡 **What this means for you right now:** Even if you just paid your premium and you're upset about the deduction — you can call a doctor from tomorrow. Dial **\*550\#**. That's a real benefit you can use immediately, at no extra cost. 💡 **Did a deduction feel unexpected?** If you believe a deduction was made in error, a BIMA associate can investigate and resolve it. Don't cancel before letting us check — talk to us first. Not sure what you signed up for? Read About Your Product First Many customers tell us they weren't fully explained the product at signup. Before you cancel, take two minutes to understand exactly what you have — and why Ghanaian families rely on it every day. ### [B-Care Hospital cash + Doctor access Covers 24/7 doctor consultations, medicine delivery, and daily hospital cash if you're admitted. Plans from **GHC 18/month**. Read full details → ](/b-care) ### [B-Life Life cover for your family If the unthinkable happens, your family receives a lump sum payout. A financial safety net for the people who depend on you most. Read full details → ](/product-b-life) ### [B-Health Comprehensive health cover Broader health coverage including outpatient and preventive care. See the full benefit table and understand exactly what's included before you decide. Read full details → ](/product-b-health) Read your product page, then speak to a BIMA associate if anything is still unclear. Request a callback → Common Questions — Answered Honestly These are the situations we hear most often. You're not alone — and there's almost always a way forward. I don't understand why BIMA charged me — I never agreed to this We hear you — and we understand how unsettling it feels to see money leave your account without a clear memory of agreeing to it. That frustration is completely valid. When you subscribed to BIMA — either directly or through an agent — a monthly premium was set up automatically through your MTN, AirtelTigo, or Telecel mobile money. The deduction happens on the same date every month, so your family stays protected without you having to remember to renew. This automatic system exists precisely so that you are **never left without cover on the day you need it most**. Without it, a forgotten payment could mean no doctor access right when your family urgently needs one. Here's what your monthly payment covers: A qualified doctor, from the next day — day or night — dial \*550\# and a doctor answers. When your child has a fever at midnight, you don't travel. You call. Medicine delivered to your door — after a consultation with your BIMA doctor, your prescription is delivered to you. No queues, no transport cost. Hospital cash paid directly to you — if you or a family member is admitted, BIMA pays daily cash to cover costs your family faces. Life cover for the people you love — in the event of accidental death, your family receives a lump sum when they need it most. → If the deduction still feels unclear or was set up without your full understanding, speak with a BIMA associate using the form below. We will review your account and resolve it. A BIMA agent told me the product was free — but I was charged We're truly sorry this happened. If an agent told you BIMA was free, that was wrong. BIMA is not a free product, and we would never want anyone enrolled without understanding what they're signing up for. The monthly premium — starting from as little as **GHC 18** — provides you and your family with real, meaningful coverage. And the good news is: you can already start using it. ✅ You can call a doctor from tomorrow — at no extra cost:Dial **\*550\#** from the phone registered with BIMA. A qualified doctor will answer. No clinic, no queue, no extra fee. Knowing this doesn't erase the frustration — but we want to make sure you have the full picture. If after understanding the product you still want to cancel, we will respect that. → If you were misled at signup, please contact us immediately. We will investigate and work to find the right resolution for you. I've never used any BIMA benefits — why am I still being charged? This is one of the most common things we hear. Think of it like a seatbelt — you wear it every day and hope you never need it. But on the day something unexpected happens — a sick child at 2am, an unexpected hospital stay — that's when you realise why it was worth keeping. You don't have to wait for an emergency to use BIMA: Dial \*550\# and call a doctor — for yourself, your child, or any family member. Available from the next day after payment. No travel, no waiting room, no extra fee. Get your prescription medicine delivered — after a consultation with your BIMA doctor, medication comes to your door. The months when you most need support are rarely the months you planned for. → Before cancelling, let a BIMA associate walk you through exactly what you have and how to use it. GHC 46 was taken from my MoMo — can I get a refund? We understand how alarming it can feel to see GHC 46 leave your account — especially when you weren't expecting it. GHC 46 is the monthly premium for a **B-Care Joint plan** — coverage for two people for the entire month. ⚠️ **What happens to money already paid?** BIMA premiums cover the month in which they're deducted — like paying for a month of electricity. Previous premiums are not refunded as they were exchanged for protection that was available to you throughout the month.If you believe a deduction was made _incorrectly_ — that's different, and we will investigate it fully. ✅ That GHC 46 is still working for you right now:You can call a doctor from tomorrow using **\*550\#**. No extra charge. The money already went to work protecting your family — use it. → If you believe this deduction was made in error, reach out using the form below. Every case is reviewed individually. I cannot afford my premium right now — do I have to cancel completely? No — and we're glad you asked. Cancelling completely means losing all protection. If something happens next month, you won't have a doctor to call, no medicine delivery, no hospital cash. Instead of cancelling, consider moving to a lower-tier plan. **BIMA plans start from as little as GHC 18 per month** — less than most people spend on airtime in a week, and it keeps your family protected. ✅ What a downgrade means for you: * You stay covered — no gap in protection * Your family keeps access to 24/7 doctor calls * You pay less each month until things improve * You can upgrade again any time → Use the callback form below and tell us your budget. A BIMA associate will find the right plan for your situation. I have more than one BIMA policy — can I reduce to just one? Yes, absolutely. It's possible to have been enrolled in more than one plan — especially if registered by different agents at different times. A BIMA associate can review all your active policies and consolidate you to the single best plan. What we'll do for you: * Review all active policies linked to your number * Explain exactly what each covers and costs * Cancel the duplicates — keep the right one * Make sure your family stays protected throughout → Use the callback form below. A BIMA associate will audit your account and simplify everything for you. I want to deactivate — the account was given to a relative and I no longer need it We completely understand. BIMA policies are linked to the mobile number used at subscription — so if that number has moved to a relative, the coverage is still active and your relative may be benefiting without realising it. Your relative can call a doctor right now — the telemedicine service is available to them from the next day after payment. We may be able to transfer the policy — rather than cancelling, a BIMA associate can update the account to reflect the current situation. → Use the callback form below and our team will guide you through the right steps. ![A Ghanaian father looks relieved on a phone call while his wife and child stand beside him hopefully](https://rxchusm4ka.koniglecdn.com/images/hopeful-ghanaian-father.webp) 💙 BIMA — for the moments that matter most Before You Decide — A Moment to Consider We know that life can be unpredictable. There are months when every cedi matters, and moments when we have to make hard choices about what to keep and what to let go. We respect that. But insurance isn't something we think about on a normal day — it's something we're grateful for when the unexpected happens. A sudden hospital visit. A family member who needs a doctor at 2am. A prescription that needs to be filled quickly. These are the moments BIMA was built for. "The automatic deduction means I don't have to remember. My family is always covered — even on the months I forget to think about it." — The peace of mind BIMA gives thousands of Ghanaian families every month Speak to a BIMA Associate Let's Talk First — We'll Call You Back A BIMA associate will call you within 24 hours to answer your questions — no obligation to stay. We're Here for You Our associates are trained to listen and help — whether that's clarifying a deduction, explaining a benefit you didn't know you had, or finding a plan that fits your budget. Deduction queries resolvedIf a charge felt wrong, we'll investigate and get it sorted Full product walkthroughUnderstand every benefit you're entitled to right now Plan downgrade optionsCan't afford your current plan? We'll find one that works Callback within 24 hoursNo waiting on hold — we'll reach you No obligation to stayIf after the call you still want to cancel, we'll help with that too Or call us directly: [0800 000 545](tel:0800000545) Your Details Full Name \* Phone Number \* Mobile Network\-- Select Network --MTNAirtelTigoTelecelOther BIMA ID \(Optional\)Leave blank if you don't have it — we'll still help What can we help you with? \-- What is your main concern? -- I want to understand why I was charged I want to understand what I'm covered for I want to switch to a cheaper plan I have multiple policies and want to reduce I think a deduction was made in error I was misled by an agent at signup Something else Optional — the more context you share, the better our associate can prepare. What happens after you submit:A BIMA associate will call you within **24 hours** to answer your questions, explain your coverage, or find a plan that fits your budget. If after the call you still wish to cancel, we'll help you do that too. Request a Callback from BIMA 🔒 Your information is secure and kept confidential Already spoken to us and still want to cancel? I still want to cancel → ✅ We'll Call You Back A BIMA associate will call you within **24 hours**. Need to speak sooner? Call [0800 000 545](tel:0800000545) or WhatsApp [here](https://wa.me/233268067216). Cancellation Request Cancel Your BIMA Insurance Fill in your details and a BIMA associate will contact you to confirm your cancellation within 24–48 hours. What happens when you cancel Your coverage remains active until the end of your current billing period. No further deductions will be made after cancellation is confirmed. Doctor consultations and medicine delivery will no longer be accessible. Hospital cash and life cover benefits will no longer apply. Previous premiums paid are not refunded as they covered the months your protection was active. Can't afford it right now? Ask about lower plans → Your Details Full Name \* Phone Number \* Mobile Network \*\-- Select Network --MTNAirtelTigoTelecelOther BIMA ID \(Optional\) Reason for Cancellation \* \-- Select a reason -- I was charged without my knowledge I was told this product was free I cannot afford it right now I didn't fully understand what I signed up for I never signed up for this I want to switch to a different plan I haven't been using the benefits I have too many policies Other Tell us more \(Optional\) Submit Cancellation Request A BIMA associate will contact you within 24–48 hours to confirm your cancellation. Cancellation Request Received A BIMA associate will call you within **24–48 hours** to confirm your cancellation. Need to speak sooner? Call [0800 000 545](tel:0800000545)