---
title: "How to Make a Claim - B-Care, B-Health, B-Life | BIMA Ghana"
description: "Complete guide on how to make insurance claims for B-Care, B-Health, and B-Life. Valid claims paid within 72 hours. Documents required, step-by-step process explained."
keywords: "BIMA claims, how to claim insurance Ghana, B-Care claims process, B-Health hospital claims, B-Life death claims, insurance claim documents Ghana"
url: "https://bima.com.gh/how-to-claim"
language: "en"
---

✅ Valid Claims Paid Within 72 HoursWɔtua Nsa Dɔnhwere 72 Mu

#  How to Make a Claim Sɛnea Wɛbisa Wo Sika

Simple steps to claim your benefits. We process valid claims within 3 working days and send money directly to your Mobile Money wallet. Akwan a ɛnyɛ den de bisa wo sika. Yɛhwɛ nsa wɔ da adwuma 3 mu na yɛde sika ba wo Mobile Money mu tẽẽ.

[ Call Claims: 0800 000 545Frɛ: 0800 000 545 ](tel:0800000545) [ WhatsApp ](https://wa.me/233800000545) [ Email Claims ](mailto:claims@gh.milvik.com?subject=Insurance%20Claim%20Request&body=Mobile%20Number%3A%20%0D%0A%0D%0ABima%20Subscription%20\(Product\)%3A%20%0D%0A%0D%0AName%20of%20Policy%20Holder%3A%20%0D%0A%0D%0AClaim%20For%3A%20%0D%0A%0D%0ADescription%3A%20%0D%0A%0D%0A%0D%0ANote%3A%20Please%20attach%20required%20documents%20\(ID%2C%20hospital%20discharge%2C%20bills%2C%20medical%20reports\))

💡 Click "Email Claims" — we've prepared a template to make it easy. Just fill in your details\! 💡 Klik "Email Claims" — yɛasiesie template ma wo. Hyɛ wo nsɛm mu kɛkɛ\!

B-Care Claims B-Health Claims B-Life Claims Required Documents

##  4 Simple Steps to Claim Akwan 4 De Bisa Wo Sika

Valid claims processed within 72 hours Wɔhwɛ nsa wɔ dɔnhwere 72 mu

1

###  Call UsFrɛ Yɛn

Call **0800 000 545** within 180 days of the event \(hospital discharge, death, or disability\). Our team will guide you through the process. Frɛ **0800 000 545** nna 180 mu \(fi kuro mu firi, owu, anaa ahoɔyaw akyi\). Yɛn team bɛkyerɛ wo kwan.

**⏰ Time Limit:Bere Ano:** 180 days from event dateNna 180 fi bere no

2

###  📧 Send DocumentsDe Nkrataa Kɔ

Send your claim documents via WhatsApp or Email. Choose your preferred method: De wo nsa nkrataa kɔ WhatsApp anaa Email so. Paw nea wo pɛ:

[ WhatsApp Send photos directly ](https://wa.me/233800000545) [ Email \(Template\) claims@gh.milvik.com ](mailto:claims@gh.milvik.com?subject=Insurance%20Claim%20Request&body=Mobile%20Number%3A%20%0D%0A%0D%0ABima%20Subscription%20\(Product\)%3A%20%0D%0A%0D%0AName%20of%20Policy%20Holder%3A%20%0D%0A%0D%0AClaim%20For%3A%20%0D%0A%0D%0ADescription%3A%20%0D%0A%0D%0A%0D%0ANote%3A%20Please%20attach%20required%20documents%20\(ID%2C%20hospital%20discharge%2C%20bills%2C%20medical%20reports\))

**💡 Tip:Afotuo:** Email opens with a pre-filled template — just fill in blanks and attach documents\!Email bue ma template — hyɛ nsɛm mu na fa nkrataa ka ho\!

3

###  ⏳ We Review Your ClaimYɛhwɛ Wo Nsa

Our claims team will review your documents within 24-48 hours. If we need any additional information, we'll contact you immediately. Yɛn nsa team bɛhwɛ wo nkrataa wɔ awia 24-48 mu. Sɛ yɛhia nsɛm biara a, yɛbɛfrɛ wo ntɛm.

**📧 Stay Updated:Nya Nsɛm:** We'll send you updates via SMS at each stageYɛbɛde nsɛm kɔ wo nkyɛn SMS so

4

###  💰 Get PaidNya Wo Sika

Once approved, we send money directly to your Mobile Money wallet within **72 hours \(3 working days\)**. You'll receive an SMS confirmation. Sɛ wɔgye tom a, yɛde sika ba wo Mobile Money mu wɔ **dɔnhwere 72 \(da adwuma 3\)** mu. Wobɛnya SMS sɛ wɔde aba.

**✅ Payment Speed:Sika Ba Ntɛm:**  
Direct to Mobile Money • No Bank Visit • No PaperworkTẽẽ Mobile Money • Bank Biara Nhia • Nkrataa Biara Nhia

B-Care

##  B-Care — Cashless Healthcare B-Care — Ahoyame a Wontua Sika

B-Care is a **cashless** product — there is no traditional claim process. All hospital visits, lab tests, and consultations are booked through BIMA and paid directly by us. You must always contact BIMA first to get a referral. B-Care yɛ adeɛ a **wontua sika** — claim kwan a ɛwɔ hɔ da biara nni hɔ. Kuro kɔ, lab hwɛ, ne dokita nhwɛsoɔ nyinaa, BIMA na ɛhyehyɛ ma wo na yɛtua ka no tẽẽ. Ɛsɛ sɛ wofrɛ BIMA kan bere biara.

###  🏥 How B-Care Works — Step by StepSɛnea B-Care Yɛ Adwuma — Anamɔn Biara

B-Care covers hospital admissions, lab tests, diagnostics, and maternity — all cashless, all through BIMA. B-Care hwɛ kuro yadeɛ, lab hwɛ, nhwehwɛmu, ne abaa ba — ɛnyinaa wontua sika, ɛnyinaa efi BIMA.

1

####  Contact BIMA FirstFrɛ BIMA Kan

Call **0800 000 545** or WhatsApp us when you need healthcare. Tell us what medical service you need \(hospital, lab test, consultation, maternity, etc.\). Frɛ **0800 000 545** anaa WhatsApp yɛn bere a wohia ahoyame. Ka ayaresa dwumadie a wohia kyerɛ yɛn \(kuro, lab hwɛ, dokita nhwɛsoɔ, abaa ba, n.n.h.\).

2

####  Get Your Referral from BIMANya Wo Referral fi BIMA

BIMA will confirm your eligibility, book the service, and give you a **referral** to a partner hospital or lab. This referral is required — it authorises the cashless service. BIMA bɛhwɛ sɛ wo qualification yɛ, ahyehyɛ dwumadie no, na ama wo **referral** kɔ yɛn partner kuro anaa lab. Referral yi hia — ɛma kwan ma wontua sika.

3

####  Visit the Hospital or LabKɔ Kuro Anaa Lab

Go to the hospital or lab that BIMA has referred you to. Show your referral and valid ID. You **do not pay anything** — BIMA settles the bill directly with the provider. Kɔ kuro anaa lab a BIMA de wo akɔ hɔ. Kyerɛ wo referral ne ID. **Wontua sika biara** — BIMA tua ka no tẽẽ ma provider no.

4

####  Receive Treatment — Cashless\!Nya Ayaresa — Wontua Sika\!

Get your treatment, tests, or hospital admission. The entire process is cashless — no claims, no reimbursements, no paperwork for you. Nya wo ayaresa, lab hwɛ, anaa kuro yadeɛ. Ɛnyinaa yɛ cashless — claim biara nni hɔ, sika san ba biara nni hɔ, nkrataa biara nhia wo.

⚠️

Important: Always Contact BIMA First\! Ɛho Hia: Frɛ BIMA Kan Bere Biara\!

If you go to a hospital or lab **without a referral from BIMA** , we will **not be able to cover the cost**. You must always call BIMA first on **0800 000 545** to get a referral before visiting any healthcare provider. No exceptions. Sɛ wokɔ kuro anaa lab **a wonnya referral fi BIMA** a, yɛ**rentumi ntua ka no**. Ɛsɛ sɛ wofrɛ BIMA kan wɔ **0800 000 545** so nya referral ansa na wokɔ ahoyame provider biara. Ɛnni nsunsuansoɔ biara.

###  🤱 Maternity \(B-Care\)Abaa Ba \(B-Care\)

Maternity is also cashless. The same referral process applies — contact BIMA before any maternity-related hospital visit. Abaa ba nso yɛ cashless. Referral kwan no ara na ɛwɔ hɔ — frɛ BIMA ansa na wokɔ kuro abaa ba ho.

**📋 Note:Hyɛ Nsow:** A 12-month waiting period applies for maternity benefits. Call BIMA to confirm your eligibility before your visit. Ɔsram 12 ɔtena wɔ hɔ ma abaa ba. Frɛ BIMA hwɛ wo qualification ansa na wokɔ.

###  💰 Loyalty CashbackCashback

Annual cashback for staying healthy \(automatic\) Afe biara cashback wo ho pa nti \(wɔyɛ no ankasa\)

✅ **No documents needed\!** Cashback is automatically processed on your subscription anniversary if you made no claims during the year. You'll receive SMS notification. ✅ **Nkrataa biara nhia\!** Wɔde cashback ba wo nkyɛn ankasa wɔ wo subscription da kɛse so sɛ woanka nsa biara wɔ afe no mu.

B-Health

##  B-Health Claims \(Hospitalisation\) B-Health Nsa \(Kuro Yadeɛ\)

###  🏥 Hospital Admission ClaimsKuro Yadeɛ Nsa

For hospital admissions covered under B-Health plans \(Single, Joint, Family, Family Plus\) Ma kuro yadeɛ a B-Health nhyehyɛe hwɛ \(Single, Joint, Family, Family Plus\)

Required Documents:Nkrataa a Wo Hia:

  * 📋

Valid IDID a Ɛwɔ Hɔ

Ghana Card, Passport, or Voter's ID cardGhana Card, Passport, anaa Voter's ID

  * 🏥

Hospital Discharge NoticeKuro Discharge Nkrataa

Official document from hospital confirming admission and discharge datesNkrataa a efi kuro a ɛkyerɛ nna a woda kuro mu

  * 💵

Final Hospital BillKuro Bill Wie

Complete itemized bill from the hospitalBill nyinaa a efi kuro a ɛkyerɛ ka nyinaa

  * 👨‍⚕️

Doctor's Medical ReportDokita Ayaresa Nkrataa

Report explaining illness/condition and treatment receivedNkrataa a ɛkyerɛ yare ne ayaresa a wonya

💡 Pro Tip:Afotuo Pa:

Keep all hospital documents organized in one place. Take photos immediately after discharge so you don't lose anything\! Kora kuro nkrataa nyinaa wɔ baako. Fa mfonini ntɛm fi kuro akyi na biribiara anyera\!

B-Life

##  B-Life Claims \(Life Insurance\) B-Life Nsa \(Nkwa Bima\)

###  💔 Death Benefit ClaimsOwu Nsa

For life cover payout when policyholder passes away Ma nkwa bima ka bere a onipaako wuwu

Required Documents:Nkrataa a Wo Hia:

  * ✓ **Death Certificate Owuto Sɛnkyerɛnne** \(endorsed by a registered doctor\)\(dokita de ne nsa ahyɛ ase\)
  * ✓ **Valid ID of deceased Onipaako a wawu no ID** \(Ghana Card, Passport, or Voter's ID\)\(Ghana Card, Passport, anaa Voter's ID\)
  * ✓ **Valid ID of claimant Onipaako a ɔrebisa no ID** \(family member receiving the payout\)\(abusuafoɔ a ɔbenya sika no\)
  * ✓ **Proof of relationship Abusuafoɔ Adi** \(e.g., marriage certificate, birth certificate\)\(aware anaa awo sɛnkyerɛnne\)

###  ♿ Disability Benefit ClaimsAhoɔyaw Nsa

For Total Permanent Disability \(TPD\) or Partial Permanent Disability \(PPD\) Ma Ahoɔyaw Nyinaa \(TPD\) anaa Ahoɔyaw Fa \(PPD\)

Required Documents:Nkrataa a Wo Hia:

  * ✓ **Valid ID ID** \(Ghana Card, Passport, or Voter's ID\)\(Ghana Card, Passport, anaa Voter's ID\)
  * ✓ **Medical Report from Doctor Dokita Ayaresa Nkrataa** \(detailing the disability and its permanence\)\(kyerɛ ahoɔyaw no ne sɛnea ɛbɛtena hɔ daa\)
  * ✓ **Hospital Records Kuro Nkrataa** \(treatment history and diagnosis\)\(ayaresa abakɔsɛm ne yare nhwehwɛmu\)
  * ✓ **Disability Assessment Ahoɔyaw Nhwehwɛmu** \(from BIMA-approved medical assessor\)\(fi BIMA dokita a wɔagye no atom\)

**⚠️ Note:Hyɛ Nsow:** Disability claims require medical assessment. We'll arrange a doctor visit if needed.Ahoɔyaw nsa hia ayaresa nhwehwɛmu. Yɛbɛhyehyɛ dokita nhwɛsoɔ sɛ ɛho hia.

##  Quick Documents Checklist Nkrataa Nhwehwɛmu Ntɛm

Always have these ready before making a claim Siesie eyinom nyinaa ansa na wobɛbisa wo sika

📋

### Valid IDID

Ghana Card · Passport · Voter's ID

🏥

### Hospital DocsKuro Nkrataa

Discharge · Bill · Medical ReportDischarge · Bill · Ayaresa Nkrataa

📱

### Mobile MoneyMobile Money

Active number to receive paymentNɔma a ɛyɛ adwuma ma sika ba

##  Need Help With Your Claim? Wo Hia Mmoa Wo Nsa Ho?

Our claims team is ready to assist you. Contact us now\! Yɛn nsa team asiesie wo ho sɛ wɔbɛboa wo. Frɛ yɛn seesei\!

[ 0800 000 545 \(Claims\) ](tel:0800000545) [ WhatsApp ](https://wa.me/233800000545) [ Email ClaimsEmail ](mailto:claims@gh.milvik.com?subject=Insurance%20Claim%20Request&body=Mobile%20Number%3A%20%0D%0A%0D%0ABima%20Subscription%20\(Product\)%3A%20%0D%0A%0D%0AName%20of%20Policy%20Holder%3A%20%0D%0A%0D%0AClaim%20For%3A%20%0D%0A%0D%0ADescription%3A%20%0D%0A%0D%0A%0D%0ANote%3A%20Please%20attach%20required%20documents%20\(ID%2C%20hospital%20discharge%2C%20bills%2C%20medical%20reports\))