Ghana NHIA Active Membership

by National Health Insurance Authority Ghana

★★★☆☆3.6(8,920 reviews)

Ghana's National Health Insurance Authority operates the country's social health insurance scheme. The Active Membership plan provides broad basic coverage at accredited facilities across Ghana's ten regions, with free maternity services included.

Monthly Premium

GHS 60 - GHS 180

Deductible

GHS 0 - GHS 50

Coverage Type

basic

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Coverage Details

✓Hospitalization

✓Outpatient Care

✗Dental

✗Vision

✗Mental Health

✓Maternity

✓Prescription Drugs

✓Emergency Care

✗International Coverage

✗Telehealth

Pros

✓Affordable nationwide coverage
✓Free maternity services at accredited facilities
✓Covers essential medicines on NHIA list
✓Accepted at public and accredited private facilities

Cons

✗Limited to essential services list
✗Private hospital network patchy outside Accra
✗Renewal and registration processes can be slow

Editorial Review

“Ghana's NHIA is sub-Saharan Africa's most cited health insurance success story, achieving near-universal coverage of the population at very low cost.”

— Africa Health Insurance Performance Index 2025