---
title: "Insurance FAQ Ghana: BIMA Health & Life Insurance Questions Answered"
description: "Get answers to common questions about BIMA insurance in Ghana. Learn about health insurance, life insurance, hospital cover, claims process, and how to register. Simple explanations in English."
keywords: "BIMA Ghana FAQ, insurance questions Ghana, health insurance Ghana, life insurance Ghana, how insurance works, BIMA claims, hospital insurance Ghana, affordable insurance Ghana, mobile insurance Ghana"
url: "https://bima.com.gh/faq"
language: "en"
---

❓ Frequently Asked Questions  Your Questions Answered Everything you need to know about BIMA insurance in Ghana — explained simply and clearly  📚 Insurance Basics 🏥 B-Care 💊 B-Health 💙 B-Life 📝 Registration 💰 Claims 💳 Payments 📚 Understanding Insurance Insurance Basics - What You Need to Know Simple answers to help you understand how insurance works What is insurance and how does it work? Simple explanation of insurance **Insurance is like a savings plan that protects you when something bad happens.** Here's how it works:

  1. **1\. You pay small money every month** \- For example, GHc 18 to GHc 110 per month
  2. **2\. BIMA keeps your money safe** \- We pool money from many families together
  3. **3\. When you get sick or need help** \- We give you BIG money to pay hospital bills
  4. **4\. You save money and stay protected** \- Instead of paying GHc 10,000 for hospital, you already paid GHc 50/month

💡 Simple Example: You pay GHc 36/month for B-Care. Your mother gets admitted to hospital. Hospital bill is GHc 20,000. BIMA pays the hospital bill — you pay NOTHING\! That's how insurance protects you. Why do I need insurance in Ghana? Benefits of having insurance Insurance protects you and your family from these common problems in Ghana: 🏥 Hospital bills are VERY expensive A simple surgery can cost GHc 5,000 to GHc 50,000. Most families cannot afford this suddenly. 💰 You don't need to borrow money When emergency comes, you won't need to borrow from family, friends, or banks. BIMA will pay for you. 👨‍👩‍👧‍👦 Your family stays safe even if you die With B-Life, if you pass away, your family gets money to continue living and pay for funeral. 🩺 Free doctor anytime Call BIMA Doctor 24/7 for FREE. No need to travel to hospital for small sickness. What is the most affordable health insurance in Ghana? Finding the best and cheapest health insurance **BIMA provides some of the most affordable health insurance in Ghana.** With plans starting from as low as **GHc 18 per month** for B-Health, and **GHc 36 per month** for B-Care, you can get access to 24/7 teleconsultation and cashless hospital admission without breaking the bank. It is the perfect affordable health insurance alternative for individuals and families. Is BIMA insurance safe and legal in Ghana? Trust and legitimacy **Yes\! BIMA is 100% safe, legal, and trusted.** ✅ Licensed & Regulated All BIMA insurance is underwritten by **Sanlam Allianz** — one of the biggest insurance companies in the world, fully licensed in Ghana. ✅ Serving Ghanaians Since 2010 BIMA has been in Ghana for over 14 years. We have paid BILLIONS of cedis in claims to Ghanaian families. ✅ 25 Million+ Customers Worldwide BIMA operates in 9 countries across Africa and Asia. We are trusted by millions of families just like yours. ✅ Fast Claims Payment We pay valid claims within 72 hours \(3 working days\). Direct to your Mobile Money\! Is BIMA insurance the same as NHIS \(National Health Insurance Scheme\)? Comparing BIMA with NHIS **No, BIMA is a private health insurance alternative that complements NHIS.** While NHIS is the public health scheme, BIMA provides private health insurance benefits like **unlimited 24/7 teleconsultation** \(speak to a doctor online\), **medicine delivery at home** , and **cashless hospital admission** at private partner hospitals without the long queues. Many Ghanaians use BIMA alongside their NHIS for complete protection. What's the difference between B-Care, B-Health, and B-Life? Understanding our three products 🏥 B-Care \(Complete Healthcare\) From GHc 36/month **What it covers:**

  * ✓ Hospital admission \(cashless\)
  * ✓ Surgery and operations
  * ✓ Lab tests, X-rays, scans
  * ✓ Medicine and medications
  * ✓ Pregnancy and delivery
  * ✓ Doctor 24/7 \(FREE calls\)
  * ✓ Cashback rewards

👉 Best for: Families who want FULL healthcare protection 💊 B-Health \(Hospital Insurance\) From GHc 18/month **What it covers:**

  * ✓ Hospital admission ONLY
  * ✓ Pregnancy hospitalization
  * ✓ Doctor 24/7 \(FREE calls\)
  * ✓ Monthly medicine support

👉 Best for: People who want basic hospital protection at lowest price 💙 B-Life \(Life Insurance\) From GHc 25/month **What it covers:**

  * ✓ Death benefit \(money for family\)
  * ✓ Disability cover \(if you can't work\)
  * ✓ Accident protection
  * ✓ No claims bonus

👉 Best for: Breadwinners who want to protect their family's future 🏥 B-Care Healthcare B-Care Questions What is the B-Care subscription and what benefits does it include? Overview of the comprehensive healthcare plan **The B-Care subscription is a complete healthcare plan in Ghana that provides comprehensive coverage for you and your family.** Your B-Care subscription includes these powerful benefits:

  * ✓ **Unlimited 24/7 calls to BIMA Doctor Service:** Access teleconsultation anytime.
  * ✓ **Cashless Financial support for non-hospitalisation care:** Treatment covered even if you aren't admitted.
  * ✓ **Cashless Laboratory and Diagnostic Tests:** Get necessary lab tests without upfront payments.
  * ✓ **Hospital admission care:** Cashless support for hospital stays up to your subscription limit.
  * ✓ **Proactive Healthcare:** Receive health engagement via SMS to stay healthy.
  * ✓ **Guaranteed Loyalty Cashback:** Enjoy an annual cashback on your subscription's anniversary.
  * ✓ **Pregnancy Hospitalisation care:** Coverage for maternity and delivery needs.
  * ✓ **Medicine Delivery:** Get prescribed medications delivered straight to your home.
  * ✓ **Access to specialist doctors on appointment:** Connect with healthcare specialists when needed.

What does "cashless hospital admission" mean? Understanding cashless treatment and financial support **"Cashless hospital admission" means you DON'T pay money from your pocket at the hospital. B-Care supports your cost of treatment up to your subscription limit directly\!** How it works:

  1. **1.** You get sick and go to a partner hospital.
  2. **2.** Show your BIMA B-Care registration to the hospital.
  3. **3.** The hospital treats you.
  4. **4.** The hospital sends the bill to BIMA — NOT to you\!
  5. **5.** BIMA pays the hospital directly up to your limit.
  6. **6.** You enjoy your annual cashless benefit without stress\!

💡 This is AMAZING because: You also get cashless financial support for non-hospitalisation care. Whether you are admitted or just receiving outpatient care, the health insurance alternative handles the bill\! How can I speak to a doctor online or by phone in Ghana? Unlimited 24/7 teleconsultation access **With B-Care, you get unlimited 24/7 calls to the BIMA Doctor Service. You can speak to a doctor online or by phone from anywhere in Ghana\!** 📞 Teleconsultation Speak to a BIMA Doctor on your health issue anytime, day or night. It's completely free with your plan. 👨‍⚕️ Specialist Access You can also get access to specialist doctors on appointment for more serious conditions. If you need medication after your teleconsultation, the doctor can prescribe it, and you can utilize the **medicine delivery at home** service or get referred to a partner hospital/lab. How does medicine delivery and cashless lab tests work? Getting medications and diagnostics easily **B-Care ensures that getting diagnosed and treated is completely hassle-free.** Cashless Laboratory and Diagnostic Tests: After you speak to a BIMA Doctor, if you need tests \(like blood tests or X-rays\), you will be referred to a partner hospital/lab. You can get these tests done without paying cash upfront, up to your subscription limit. Medicine Delivery at Home: If the doctor prescribes medicine for you, you don't even have to leave your house\! B-Care includes a **medicine delivery** service that brings your medications straight to your home. Does B-Care cover surgeries, operations, and major illnesses? Coverage limits and major health events **Yes, B-Care covers surgeries and operations under the hospital admission care benefit\!** If you need an operation or surgery, BIMA will provide cashless financial support up to your maximum subscription limit \(which can be up to GHc 51,612 per year depending on your tier\). This covers the cost of the surgery, hospital stay, and prescribed medicine during admission. What is the Guaranteed Loyalty Cashback? Enjoying your anniversary reward **With B-Care, your loyalty is rewarded\!** When you subscribe to B-Care and maintain your active healthcare plan Ghana for a full year, you will **enjoy loyalty cashback on your subscription's anniversary.** This guaranteed loyalty cashback is paid directly to your mobile money, rewarding you for staying protected with BIMA. Does B-Care offer pregnancy coverage? Pregnancy hospitalisation care **Yes\! B-Care includes pregnancy hospitalisation care.** ⏳ Waiting Period: 12 Months You must be subscribed to B-Care for 12 continuous months BEFORE giving birth. BIMA will then cover your delivery costs as part of your pregnancy coverage. ⚠️ Important Reminder: If you are ALREADY pregnant when you register, BIMA will NOT cover that pregnancy. Register before getting pregnant to enjoy full maternity benefits. What is Proactive Healthcare? Health engagement via SMS **B-Care doesn't just treat you when you're sick; we help keep you healthy\!** Through our **Proactive Healthcare** benefit, you will receive regular proactive health engagement via SMS. These messages include health tips, reminders, and wellness advice from our BIMA Doctors to help you and your family live a healthier life. 💊 B-Health Insurance B-Health Questions What's the difference between Family and Family Plus? B-Health family plans explained 👨‍👩‍👧‍👦 Family Cover From GHc 37/month Who is covered:

  * ✓ You \(policy holder\)
  * ✓ Your husband/wife
  * ✓ Up to 6 children \(0-24 years\)

👨‍👩‍👧‍👦👴👵 Family Plus Cover From GHc 51/month Who is covered:

  * ✓ You \(policy holder\)
  * ✓ Your husband/wife
  * ✓ Up to 6 children
  * ✓ Your parents \(mother & father\)
  * ✓ Your spouse's parents \(in-laws\)

💡 Choose Family Plus if: You want to buy health insurance for your parents or extended family in Ghana. This is PERFECT for extended Ghanaian families living together\! How much does hospital insurance cost per month in Ghana? Affordable hospital cover pricing **With BIMA, hospital insurance is very affordable.** The B-Health plan starts at just **GHc 18 per month** for individuals. If you want to cover your entire family, Family plans start from GHc 37 per month. It is one of the most affordable ways to protect yourself from high hospital bills in Ghana. Does B-Health cover common diseases like Malaria and Typhoid? Coverage for everyday sicknesses **Yes\! B-Health covers hospital admissions for common illnesses.** If you are admitted to the hospital for Malaria, Typhoid, Cholera, or other common diseases, your B-Health plan will provide financial support to help you pay the hospital bills, provided you have passed the 30-day waiting period for illness. When does my B-Health coverage start? Waiting periods explained **Different benefits start at different times:** ✅ IMMEDIATE \(Same Day\) BIMA Doctor 24/7 service starts IMMEDIATELY after you pay first month\! ⏳ 1 DAY \(For Accidents\) If you get into an accident, coverage starts from 1st day of next month after registration. ⏳ 30 DAYS \(For Illness\) For hospital admission due to sickness \(not accident\), you must wait 30 days after registration. ⏳ 12 MONTHS \(For Pregnancy\) Pregnancy delivery is covered after 12 months of continuous payment. 💙 B-Life Insurance B-Life Questions Why is life insurance or funeral cover important in Ghana? Protecting your family's future **Life insurance ensures your family doesn't suffer financially if you pass away.** In Ghana, funerals can be very expensive, and losing a breadwinner can push a family into poverty. A good life insurance or funeral cover \(like B-Life\) provides a lump sum of money to your family so they can pay for funeral expenses, school fees, and continue living comfortably. Who receives the money if I die? Beneficiary and claims process **The money goes to your "beneficiary" — the person you choose to receive it.** Who can be your beneficiary?

  * ✓ Your wife or husband \(spouse\)
  * ✓ Your children
  * ✓ Your mother or father
  * ✓ Your brother or sister
  * ✓ Any family member you trust

📝 How to register your beneficiary: When you register for B-Life, you must give us:

  * • Beneficiary's full name
  * • Beneficiary's phone number
  * • Relationship to you \(wife, son, mother, etc.\)

✅ When you pass away: Your beneficiary calls BIMA. We verify death certificate. Then we pay money DIRECTLY to their Mobile Money within 3 working days. Very fast and easy\! Does B-Life cover accidental death and permanent disability? Accident protection benefits **Yes, B-Life provides strong accident protection.** If you pass away due to an accident, or if an accident causes permanent disability \(meaning you can no longer work\), B-Life will pay out the agreed benefit amount to you or your family to help secure your future. What is "No Claims Bonus"? Reward for staying healthy **No Claims Bonus is FREE MONEY we give you if you stay healthy and don't make any claims\!** 💰 How it works:

  1. **1.** You pay for B-Life every month for 1 year
  2. **2.** You stay healthy - no hospital, no death claims \(Praise God\!\)
  3. **3.** After 1 year, BIMA gives you BONUS money\!
  4. **4.** Money comes straight to your Mobile Money — FREE GIFT\!

How much bonus do you get? Bronze GHc 38 Silver GHc 57 Gold GHc 76 Platinum GHc 93 📝 Registration How to Register Questions How do I register for BIMA insurance? Registration methods **There are 3 easy ways to register:** 📱 1\. USSD Code \(Easiest\!\) Works on ANY phone - even old phones\! Dial: \*550\# For AT Insurance customers Follow simple instructions on screen. Takes 2 minutes\! 📞 2\. Call Us \(FREE\) Speak to our team in English or Twi Call: 0800 000 545 Toll-free\! Our team will register you over the phone. 💬 3\. WhatsApp Us Chat with us anytime WhatsApp: 0268 067 216 Send "I want to register" and we'll help you\! How do I check my BIMA insurance policy status or balance? Checking if your policy is active **It is very easy to check your BIMA insurance policy status.** Simply dial **\*550\#** on your phone and select the option to check your policy status, or you can call our toll-free number **0800 000 545** and our customer service agents will assist you immediately. What do I need to register? Do I need documents? Registration requirements **Registration is VERY EASY\! You only need 2 things:** 📱 1\. Your Mobile Phone Number Must be registered in YOUR name \(MTN, Telecel, or AT Insurance\) 💵 2\. Mobile Money Account To pay monthly premium \(from GHc 18/month\) ✅ NO DOCUMENTS NEEDED\! You don't need:

  * ❌ No passport photos
  * ❌ No ID card copies
  * ❌ No bank statement
  * ❌ No medical checkup
  * ❌ No office visit

Register from your home in 2 minutes\! 💰 Claims How to Claim Questions How do I make a claim when I leave hospital? Step-by-step claims process **Follow these 4 simple steps:** 1 Call BIMA Claims Team Call **0800 000 545** within 180 days after leaving hospital 2 Send Documents via WhatsApp WhatsApp documents to **0268 067 216** or email **claims@gh.milvik.com** Documents needed:

  * • Your ID card \(Ghana Card, Passport, or Voter's ID\)
  * • Hospital discharge paper
  * • Hospital bill
  * • Doctor's report

3 We Review Your Claim BIMA team checks documents within 24-48 hours 4 Get Your Money\! Money sent to your Mobile Money within **72 hours \(3 working days\)** How fast will I receive my claim money? Claim payment timeline ⚡ 72 Hours That's only 3 working days\! Timeline breakdown:

  * **Day 1:** You send documents, we receive and review
  * **Day 2:** We verify with hospital and approve claim
  * **Day 3:** Money sent to your Mobile Money — you get SMS\!

✅ This is ONE OF THE FASTEST claims payment in Ghana\! Many insurance companies take 2-4 weeks. BIMA pays you in 3 days because we know you need money urgently\! Can someone else make a claim for me if I'm very sick? Claims on behalf of others **YES\! Your family member can make claim for you if you are too sick.** Who can help you make a claim:

  * ✓ Your husband or wife
  * ✓ Your son or daughter
  * ✓ Your mother or father
  * ✓ Your brother or sister
  * ✓ Any trusted family member

What they need to do:

  1. 1\. Call BIMA on **0800 000 545**
  2. 2\. Explain they are calling on your behalf
  3. 3\. Send your documents \(ID, hospital papers, etc.\)
  4. 4\. Money will still come to YOUR Mobile Money

💳 Payments Payment Questions Which Mobile Money networks can I use to pay for BIMA? Supported payment networks **You can easily pay your BIMA insurance with mobile money\!** We support payments from all major mobile money networks in Ghana, including **MTN Mobile Money \(MoMo\)** , **Telecel Cash** , and **AT Money**. Your monthly premium is automatically deducted, so you don't have to worry about missing a payment. How do I pay my monthly premium? Payment methods **Payment is AUTOMATIC every month from your Mobile Money\!** How automatic payment works:

  1. **1.** You register for BIMA and choose your plan
  2. **2.** You approve first payment from Mobile Money
  3. **3.** Every month on same date, BIMA deducts premium automatically
  4. **4.** You get SMS confirmation each time
  5. **5.** Just make sure you have money in Mobile Money\!

✅ Benefits of Auto-Payment:

  * • You never forget to pay
  * • No office visit needed
  * • Coverage never stops
  * • Very convenient\!

💡 Pro Tip: Always keep at least GHc 200 in your Mobile Money so payment never fails\! What happens if I miss a payment? Missed payment consequences **If you miss payment, your insurance enters "grace period" for 3 months.** ⚠️ Month 1-3 \(Grace Period\) Your insurance is PAUSED but NOT cancelled. You can still activate it by paying missed months. ❌ After 3 Months Your insurance is CANCELLED. You must register again as a new customer. ✅ How to Avoid Missing Payments:

  * • Always keep money in Mobile Money
  * • Set phone reminder 2 days before payment date
  * • If you're traveling, load Mobile Money before leaving
  * • Call us if you have payment problems: **0800 000 545**

Can I cancel my insurance and get my money back? Cancellation policy **Yes, you can cancel anytime. BUT you will NOT get refund of money you already paid.** ❌ No Refund Policy Money you already paid does NOT come back. Why?

  * • We already gave you insurance protection during that time
  * • You could have made a claim and we would pay
  * • Premium covers operating costs, doctor service, etc.

How to cancel:

  1. 1\. Dial **\*550\#** and follow cancellation menu
  2. 2\. OR call **0800 000 545** and tell us to cancel
  3. 3\. Cancellation takes effect immediately
  4. 4\. You will NOT be charged next month

💡 Think Carefully Before Cancelling\! If you cancel and get sick next month, BIMA cannot help you. Keep your insurance active to stay protected\! Still Have Questions? Our team is here to help you — call us FREE anytime\! [ 0800 000 545 \(Free\) ](tel:0800000545) [ WhatsApp Us ](https://wa.me/233268067216) [ Contact Us ](/contact-us)